Financial Wellness Curriculum Guide - 2022 Edition

Financial Wellness Curriculum Guide 2022 Edition

We’re here with trusted advice.

We believe in the power of financial education.

That’s why we are committed to offering trusted advice to our members when, where, and how they want it.

From live onsite and online workshops to digital modules across a broad spectrum of financial topics, we connect thousands of members to relevant education every year.

Your Relationship Manager will collaborate with you to find workshops that match the interests and goals of your employees. Let’s get started!

New Workshops

We take a fresh approach.

These workshops are brand new for 2022 and based on relevant topics for each season of the year.

Maximizing Your Money

Available from January - March in 20 or 60 Minute Format

Thrifty Travel

Available from July - September in 20 or 60 Minute Format

In this workshop, you’ll learn about:

In this workshop, you’ll learn about:

> Resetting your finances after holiday spending

> Strategies for planning ahead and saving for travel

> Expert tips on paying down debt and saving more money

> Expert tips on getting the best deals on road trips and air travel

> Strategies for achieving your financial goals

> Cost cutting ideas to use before, during, and after your vacation

Freshen Up Your Finances

Seasonal Spending Strategies

Available from April - June in 20 or 60 Minute Format

Available from October - December in 20 or 60 Minute Format

In this workshop, you’ll learn about:

In this workshop, you’ll learn about:

> Strategies for building up your savings

> Tactics for getting the best year-end deals

> How your financial behaviors impact your credit

> Expert budgeting tips for before and after the holiday season

> Approaches to planning for retirement

> Financially savvy approaches to gift-giving

Elements Game of Games Available all year long in a 20 Minute Format only

In this interactive workshop, you’ll enjoy: > Entertaining trivia games with a financial basis > Expert tips on major money-related topics > Time to meet your dedicated Relationship Manager

Core Workshops

Education is at our core.

These workshops are most popular and cover widely applicable financial topics.

Understanding Your Spending

SPECIAL NOTE We’re offering “In 20 Minute” Workshops!

We’ve developed shorter educational workshops to combat digital fatigue. Ask your Relationship Manager about these options today!

Protecting Your Identity

In this workshop, you’ll learn about:

In this workshop, you’ll learn about:

> Basic strategies to better manage your money > The steps to take to reach your financial goals > How your spending habits impact your finances

> Tactics that hackers use to steal your information > Tips and tricks to fight against fraudsters > What to do if you fall victim to these attacks

Understanding Your Budget

Tech Tips for Digital Banking

In this workshop, you’ll learn about:

In this workshop, you’ll learn about:

> Preparing a personal simplified budget > Your unique financial strengths and weaknesses > Resources that will help you consolidate your debt

> Using Apple and Samsung Pay > Transfer money using person-to-person payments > Using the newest online banking features

Understanding Your Credit

Fraud Trends

In this workshop, you’ll learn about:

In this workshop, you’ll learn about:

> Your credit report and credit scoring > How purchasing behaviors impact your credit score > Opportunities to build your credit

> The newest fraud scams online > Tips to prevent yourself from falling victim to fraud > How fraudsters find your personal information

NOTE: All Core Workshops are offered as part of the “In 20 Minutes” series.

Specialty Workshops

We are experts across the board.

These workshops help attendees dig into specific financial topics that matter to them.

All Hands on Debt

Money Myths

In this workshop, you’ll learn about:

In this workshop, you’ll learn about:

> Spending patterns that lead to debt > Rebuilding financial life after debt > Strategies for reducing or paying off debt

> Common financial misconceptions > Ways to not become victim to financial schemes > How money topics can be skewed by the media

Beginner’s Guide to Homebuying In this workshop, you’ll learn about: > Costs associated with buying a home > The importance of a pre-approval > The process of finding the best first home

Behind the Scenes of Student Loans In this workshop, you’ll learn about: > The steps to be taken to apply for financial aid > Private, State, and Federal sources of financial aid > Resources Elements can offer students and parents

Healthcare & Your Money In this workshop, you’ll learn about: > The benefits of a health savings account > Understanding your premiums & triple tax advantage > Eligible expense reimbursements from your HSA

Money with Michael In this workshop, you’ll learn about: > Positive financial moves by “The Office” characters > Times when characters made financial mistakes > Humorous financial tips and tricks

The Many Moods of Money In this workshop, you’ll learn about: > How your emotions can lead to impulsive decisions > Improving your finances can impact your overall wellbeing > Strategies for avoiding financial stress

Putting Your Home’s Value To Work In this workshop, you’ll learn about: > The benefits of refinancing your home > All the ways you can use equity > The process of determining the equity in your home

NOTE: All Specialty Workshops are part of the “In 20 Minutes” series except Behind the Scenes of Student Loans, Refinancing Your Student Loans, and Money with Michael.

CONTINUED >

Specialty Workshops Rebuilding Your Credit

The Keys to Car Buying

In this workshop, you’ll learn about:

In this workshop, you’ll learn about:

> Credit history, credit reports, and credit scores > How your credit score impacts areas of your life > Recommended steps to help you rebuild your credit

> Searching for the best price and comparing car options > What options you have for financing your purchase > Understanding the value of your trade in vehicle

Risks & Rewards of Credit Cards

The Right Loan for Your Home

In this workshop, you’ll learn about:

In this workshop, you’ll learn about:

> The good, the bad, and the ugly of credit card offers > Tips for maximizing the perks of credit cards > How much of your credit limit you should utilize

> What it means to refinance your home > Considerations before making the decision to refinance > The process of purchasing a home

Refinancing Your Student Loans In this workshop, you’ll learn about: > Student loan refinancing strategies > Differences between consolidation and refinancing > Which refinancing option is best for your situation

FULL WORKSHOP

Family Dynamics and Your Finances In this workshop, you’ll learn about: > How finances impact the relationships in your life > Strategies for discussing money with your kids > Tips for managing combined finances with a spouse

RELATED WORKSHOPS

Parenting & Money in 20 Minutes This workshop covers the first half of the full workshop and is focused on how parents can prepare their children of all ages for a successful financial future.

Relationships & Money in 20 Minutes This workshop covers the second half of the full workshop and highlights strategies for navigating financial conversations and obstacles in your personal relationships.

FULL WORKSHOP

Your Money for Young Professionals In this workshop, you’ll learn about: > The top five financial struggles of young professionals > Tips for taking control of your money today > Strategies for planning for long-term goals

RELATED WORKSHOPS

Today’s Money for Young Professionals in 20 Min. This workshop covers the first half of the full workshop and is focused on tangible financial advice for young professionals to implement immediately.

Future Finances for Young Professionals in 20 Min. This workshop covers the second half of the full workshop and highlights strategies for young professionals to consider when thinking about their long-term goals.

Wealth Workshops

Invest in your future.

These workshops are presented by our team of expert LPL Financial Advisors from Elements Wealth Management.

Planning for Retirement

Understanding Social Security

In this workshop, you’ll learn about:

In this workshop, you’ll learn about:

> Factors that influence your retirement income needs > How Social Security plays a role in your retirement years > Differences between aggressive & conservative asset allocation

> How Social Security impacts your future > Retirement planning strategies involving Social Security > Why it’s important to plan ahead and save

Outlook 2022 In this workshop, you’ll learn about: > Research and statistics gathered by LPL Financial > Traditional drivers and risks in the stock market > Opportunities and challenges in the financial market

College Planning in 20 Minutes In this workshop, you’ll learn about: > Strategies for saving for future education-related expenses > Major differences between educational savings accounts

> How having a Financial Advisor can benefit your savings strategy

Surviving Market Swings In this workshop, you’ll learn about: > Strategies for combating stress when the market drops > Ways to prepare yourself for financial storms > Things to watch for in an ever-changing market

Women & Investing In this workshop, you’ll learn about: > Practical strategies for managing your investments > Statistics, tips and tricks specific to women > Ways to plan for your future goals

CONTINUED >

Wealth Workshops

New Workshops for 2022 Beginners Guide to Investing in 20 Minutes In this workshop, you’ll learn about: > The basics of investing including stocks, bonds, and mutual funds > An overview of the stock market and why it shifts > Strategies for planning for your retirement

Strategic Advice for Investors in 20 Minutes In this workshop, you’ll learn about: > Managing common types of investments > Approaches to finding the right stocks and funds for you > Strategies for making the most of your 401(k)

Finding a Financial Advisor in 20 Minutes

Advice & Advisors: Beginners Investing Guide In this workshop, you’ll learn about: > The basics of investing including stocks, bonds, and mutual funds > An overview of the constantly shifting stock market > Key considerations when searching for a Financial Advisor

Advice & Advisors: Strategic Investing

In this workshop, you’ll learn about:

In this workshop, you’ll learn about:

> Deciding between investing using an app or hiring an Advisor

> Managing common types of investments

> Key considerations when searching for a Financial Advisor

> Approaches to finding the right stocks and funds for you

> How to find an Advisor that fits your personal preferences

> Key considerations when searching for a Financial Advisor

Special Events

Digital Resources

We provide a human touch.

Our approach is high tech.

In addition to our workshops, we connect with your employees through special events.

We invest in digital tools to enhance your experience with our credit union.

Introduction to Elements

Dedicated Personalized Website

This presentation is perfect for new employee orientation or open enrollment meetings or fairs. It will provide a brief overview of our credit union and the valuable benefits associated with membership. We are happy to tailor this presentation to meet your time frame.

Review Days We are proud to offer 30-minute, one-on-one Review Days. Our Financial Experts will host completely confidential meetings with your employees. > Credit Review Day

> Mortgage Review Day

> Account Review Day

> Retirement Review Day

> Budget Review Day

> Meet Your Relationship Manager

> Auto Loan Review Day

Elements at Work Employee Meet & Greet: Our experts will come to your workplace to highlight the services our credit union offers. This is a great time for your employees to connect with our staff and build impactful relationships.

Executive Meet & Greet: This is a special opportunity to introduce your management and leadership team to Elements Financial! We would love to arrange for a casual or formal meeting to include our own executives, Private Client Services and a representative of our Wealth Management division.

Your landing page on the Elements website provides employees quick access to register for events, view special product offers and connect with your Relationship Manager.

Financial Education Center Learn about more than 20 financial topics, from retirement to taxes to auto loans through self-guided, interactive learning modules. Your employees are all provided complimentary access to this resource thanks to your partnership with Elements.

Advice from Elements Knowledge is power — and it’s no different when it comes to your personal finances. We keep up on the latest money trends and innovations, so we can continually share timely tips with you at elements.org/Advice.