Financial Wellness Curriculum - 2024

Financial Wellness Curriculum Guide 2024 Edition

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 people to relevant education every year.

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

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

Specialty Workshops

We are experts across the board.

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

New!

Maximizing Your Financial Products In this workshop, you’ll learn about: > How to earn and save the most with your deposit products > The different ways to access your money > Unique ways to utilize loan products

New!

Digital Financial Influences In this workshop, you’ll learn about: > The most commonly used marketing channels > The way advertisers influence digital consumer spending > How to stop overspending online

New!

Senior Care Advising In this workshop, you’ll learn about: > How to prepare for long-term care for yourself or a loved one > The signs of aging and when it’s time to look at care options > Your options for elder care support

All Hands on Debt 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

Rebuilding Your Credit 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

Risks & Rewards of Credit Cards 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

Money on Your Mind 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

CONTINUED >

Specialty Workshops Money with Michael

Estate Planning in Indiana

In this workshop, you’ll learn about:

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

Money Myths In this workshop, you’ll learn about: > Common financial misconceptions > Ways to not become victim to financial schemes > How money topics can be skewed by the media

Understanding Insurance In this workshop, you’ll learn about: > The importance of home, auto, and life insurance > The most frequently asked questions regarding coverage > Steps to shop around and switch coverage

Inflation & You In this workshop, you’ll learn about: > The basics of inflation > Why the federal reserve raises interest rates during inflationary times > How to combat raising prices

Top Financial Mistakes In this workshop, you’ll learn about: > Common financial mistakes that people make > Why these mistakes can impact financial future > How to avoid these mistakes

The Keys to Car Buying

> The parts and pieces of an estate plan > Suggested timeline of planning > Estate planning for all stages of life

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

Medicare Basics In this workshop, you’ll learn about: > Eligibility and components of Medicare > Enrollment options and important deadlines > Important considerations when enrolling in Medicare

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

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

In this workshop, you’ll learn about: > 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

CONTINUED >

Specialty Workshops FULL WORKSHOP

FULL WORKSHOP

Family Dynamics and Your Finances

Your Money for Young Professionals

In this workshop, you’ll learn about:

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

> 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

RELATED WORKSHOPS

Parenting & Money in 20 Minutes

Today’s Money for Young Professionals in 20 Min.

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.

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.

Seasonal Workshops Maximizing Your Money Available from January - March in 20 Minute or 60 Minute Formats

Thrifty Travel

Available from July - September in 20 Minute or 60 Minute Formats

In this workshop, you’ll learn about:

In this workshop, you’ll learn about:

> Resetting your finances after holiday spending > Expert tips on paying down debt and saving more money > Strategies for achieving your financial goals

> Strategies for planning ahead and saving for travel > Expert tips on getting the best deals on road trips and air travel > Cost cutting ideas to use before, during, and after your vacation

Freshen Up Your Finances Available from April - June in 20 Minute or 60 Minute Formats

Seasonal Spending Strategies Available from October - December in 20 Minute or 60 Minute Formats

In this workshop, you’ll learn about:

In this workshop, you’ll learn about:

> Strategies for building up your savings > How your financial behaviors impact your credit > Approaches to planning for retirement

> Tactics for getting the best year-end deals > Expert budgeting tips for before and after the holiday season > Financially savvy approaches to gift-giving

Mortgage Workshops

Make the most of the loan on your home.

These mortgage related workshops guide attendees to better understand the home buying and selling process.

Ask the Experts: Buying Your Home In this Q&A Workshop, you’ll learn about: > Important steps to take when you’re ready to buy a home > The composition of your mortgage payment > Current market conditions

Ask the Experts: Selling Your Home In this Q&A Workshop, you’ll learn about: > Common misconceptions when selling > The most important things to do before listing > Determining an optimal list price

The Keys 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

The Right Loan for Your Home In this workshop, you’ll learn about: > What it means to refinance your home > Considerations before making the decision to refinance > The process of purchasing a home

Putting Your Home’s Value To Work

Mortgage Refinance Misconceptions

In this workshop, you’ll learn about:

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

> Important steps and people in the homebuying process > How mortgage rates are determined and tips to get the best deal > Reasons to consider buying a home and how to navigate the market

Wealth Workshops

Invest in your future.

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

Finding a Financial Advisor

Understanding Social Security

Planning for Retirement

In this workshop, you’ll learn about:

In this workshop, you’ll learn about:

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

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

Outlook 2024

College Planning

In this workshop, you’ll learn about:

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

In this workshop, you’ll learn about: > Deciding between investing using an app or hiring an Advisor > Key considerations when searching for a Financial Advisor > How to find an Advisor that fits your personal preferences

> Strategies for saving for future education-related expenses > Major differences between educational savings accounts > How having a Financial Advisor can benefit your savings strategy

Strategic Advice for Investors

Women, Wealth & Well-being

In this workshop, you’ll learn about:

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)

> The importance of women taking control of their finances > Easy to digest investing fundamentals > Steps to immediately begin on your path towards wealth and well-being

Surviving Market Swings

Beginners Guide to Investing

In this workshop, you’ll learn about:

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

> 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

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.

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.

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.

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.