Case in point

Let's look at a financial participant named Mary: she is less than 25 years old, single, employed full-time, rents an apartment, owns her vehicle, has no established credit, no credit cards, and no savings. This is but small sliver of Mary's data, it provides insight into the specific information, tools and solutions that could set Mary up for success:

Information regarding the importance of retirement planning; assistance in participating/contributing to her employer-sponsored plan (or IRA).
Pre-populating calculators with Mary's personal income and assets to demonstrate how her participation now (even minimally) will have huge impacts on her future savings; conversely, what her savings will look like if she doesn't start early.
Vehicle repairs and maintenance tips for an older vehicle; a budget calculator so she can evaluate how much vehicle she can afford; an opportunity to start a vehicle savings fund.
Educational information on the path to buying a home; mortgage calculations specific to her marketplace, required investments and potential fees; an option to create a longer-term savings account to begin the savings process in anticipation of a future purchase.
Tips to establish credit; information on the interworkings of credit card debt and credit scores; assistance to establish a positive, responsible credit relationship with known, credible financial institutions; real-time and recurring credit scores, with recommendations for improvements (as well as challenges should they arise so she becomes aware that actions have consequences).

Unique, relevant resources delivered to each employee real-time can be accomplished using data and personalized information shared by the employee through various assessments and surveys. A systematic, ever-evolving process delivers a dynamic plan that presents the most appropriate and effective opportunities to the employee based on information gathered through data/assessment. As the employee provides additional information, or shows improvement over time, the plan adjusts. No matter where an employee begins their journey, the goal is to move them along the path to financial stability and set them up for a successful future.

Instant Insights /

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