Broker Check

Retirement Rest - Tustin, CA


Retirement Education Service Training


When it comes to financial education, nothing works like one-on-one counseling at the office during work hours, according to a new analysis from a major financial study. Employees exposed to this kind of program become more engaged in their financial affairs and save more, among other positive outcomes.

Among employees who attended a one-on-one session in 2014, 92% agreed to take certain positive steps and 80% followed through with those steps, according to The study. The most common steps were to increase savings now and agree to automatic increases in the future.

Meanwhile, payroll deferral rates were 9% higher among those who attended a one-on-one session; 19% of those who attended chose to automatically increase their retirement plan contribution with pay increases, compared to only 2% of those who did not get one-on-one counseling.

Who’s teaching your employees about money?

Did you know:

  • 55% of people are stressed about money?
  • Money is the number one cause of stress for employees
  • 50% of people say that money stress is affecting their productivity at work?
  • 44% of Americans lack basic financial literacy
  • Employers who implement some form of financial education in the workplace get a 3:1 return on their investment

Money problems have become the biggest contributor to personal stress and it can negatively affect productivity in the workplace. This is likely related to the fact that consumer debt has grown to record levels and savings rates are non-existent. Couple these statistics with the reality that there is very little formal financial education provided in our country and you can’t help but recognize a very serious concern.

Most group retirement plans focus solely on product and plan education. Innovative companies are now incorporating health and financial wellness into their benefit programs, but generally, there is still a void in providing proper Financial Education. Employers need to rethink corporate benefit plans and incorporate Financial Education as an essential part of those benefit plans.

“We make employers look good by delivering top quality financial education programs that employees rave about!”

There is a tremendous amount of research confirming that when you improve the financial literacy for the employee, it brings tangible benefits to both the employers and employees. Financial Education should be at the core of any financial benefit plan. Aligning the employer, employee, and the benefit plan is essential for the financial and professional success of your organization.

There is a massive appetite for Financial Education especially given the demographics.

Employees will appreciate employers who help them take control of their money not only through traditional benefit plans but also through financial knowledge and education.

Financial Education starts by helping employees understand how their employee benefit program is a key component in their financial affairs. A great plan will also show that true financial success comes from understanding more than just the benefit program from work. Financial Education helps employees achieve financial success by harmonizing their benefit plans at work and in their personal financial affairs.

People are not learning about money properly and unfortunately, more and more financial responsibility is being shifted to the employee. Leading edge-employers are taking the lead in helping their employees learn to make better financial decisions. They are now playing a bigger role in building awareness and educating their employees on fiscal wellness, retirement, and investment planning.


The Stress in America survey was conducted online within the United States by Harris Poll on behalf of the American Psychological Association between Aug. 4 and 29, 2014, among 3,068 adults ages 18 and older who reside in the U.S. Because the sample is based on those who were invited and agreed to participate in the Harris Poll online research panel, no estimates of theoretical sampling error can be calculated. To read the full methodology, including the weighting variables, visit the Stress in America Press Room webpage.