10/23/2015 CSU SAN MARCOS New Benefit Program Financial Education and Counseling

10/23/20152 Overview  Employer Paid Benefit  Effective March 1, 2010  Enhancement to EAP Financial Benefit  Covers you and your immediate family  Financial Education and Counseling  Identity Theft Prevention and Protection  Legal Services

10/23/20153 Why New Benefit?  Provide resources to improve employees’ financial well-being  Pay issues  Employees are having financial issues

10/23/20154 Sample Issues  Budgets and Spending Strategies  Debt matters  Credit Issues  Mortgage Review/Options  Tax Issues  Retirement  College Planning  ID Theft & Legal

10/23/20155 The Solution – Financial Wellness Help Employees –  Develop better spending habits  Reduce their debt  Improve their credit  Improve their savings  Plan for retirement

10/23/20156 The Program – Business Advantage Bringing Financial Education to Employees Educational Classes  On-site, Webinar, Self-Directed (online) Website Resources  Personalized (helps employee get finances organized)  Guides, Worksheets, Articles, Calculators, etc.  Accessible by Financial Coach Newsletters and Tips

10/23/20157 Individual Financial Coaching  Unlimited Unbiased Telephonic Financial Coaching for 60 days at no cost  Financial Needs Analysis  Develop And Define Member Goals  We Engage Members (Proactive Approach)  Achieve Early Success  Refer Employees To Advisors

10/23/20158 MSA Financial Coaches  Salaried Employees  Prohibited from selling products and services  Minimum 5 years experience/average of 18  Credentials include: –Certified Financial Educator (CFEd) –Certified Credit Counselors (CCC) –Certified Financial Planner (CFP) –Certified Public Accountant (CPA) –Enrolled Agent (E.A.) –Certified Divorce Financial Analyst (CDFA) –Certified Senior Advisor (CSA) –Certified Mortgage Planning Specialist (CMPS) –Fair Credit Reporting Act (FCRA) Certification

10/23/20159 Additional Services  ID Theft Services  ID Monitoring  Fraud Resolution & Doc Prep  Legal Benefits  Free 60 minutes Consultation with an Attorney  Free Simple Will  Discounted and flat-fee Attorney Rates

10/23/ Getting Started  Call (888)  Activate ID Monitoring