1. Protecting Families, Finances, and Your FutureTM
Financial
Wellness Workshop
Protecting Families, Finances, and Your Future

2. Financial Wellness
Mortgage
Debt
Taxes
Budgets

3. 6 Keys To Financial Wellness
Accept personal responsibility
Know your debts & develop a plan to become debt free
Use a budget to control expenses
Have an emergency fund and a savings plan
Protect yourself from major expenses (Insurance)
Earn interest on investments - don't pay interest

4. 1. Accept Personal Responsibility 1. Accept Personal Responsibility
You have the ability to control your financial wellness
A journey of a thousand miles begins with a few simple steps
Start with a few steps today

5. 2. List Your Debts & Develop a Plan
List out all of your debts with the interests rate you are paying
Develop a plan to pay them off
Ask for lower interest rates
Seek professional help

6. FIVE WAYS TO GET OUT OF DEBT FASTERTM
FIVE WAYS TO
GET OUT OF DEBT FASTER

7. TM

8. 3. Use a Budget Prepare a monthly budget List out all incomes
Plan out and budget all expenses
At the end of the month compare actual expenses with the planned amount

9. FIVE EASY WAYS TO BUDGETTM
FIVE
EASY WAYS
TO BUDGET

10. 3. Use a Budget

11. 4. Have an Emergency Fund and Savings
And a Savings Plan
4. Have an Emergency Fund and Savings
Establish an emergency fund
Don’t spend the whole dollar – Pay yourself first!
Develop a habit of saving (never less than 10%)

12. 5. Protect Yourself From Major Expenses
Health
Life
Auto
Legal
Home Owners

13. 6. Earn Interest – Don’t Pay Interest
Those that understand interest earn it – Those that don’t - pay it
Understand the difference between spending and investing
Look for ways to earn more interest

14. TM
MONEY
SAVING
TIP$

15. Money Saving Tips Money Saving Tips
Look at the options for re-financing your mortgage at a lower interest rate
Be aware of fees…. ATM fees, Bank fees, Check cashing fees, and Late fees. These can add up over time
Take advantage of tax credits for energy efficiency
Use to reduce long distance costs
Review your credit report regularly

16. Money Saving Tips

17. Money Saving Tips = $440.00 Ticket $80.00 traffic ticket
+ $10.00 a month in increased auto insurance for 36 months
= $ Ticket

18. Money Savings Tips
One of the worst financial decisions a person can make is dying without a Last Will and Testament.
Also have a Durable Power of Attorney
Keep these documents updated

19. EMPLOYEE BENEFIT SUMMARYTM
EMPLOYEE
BENEFIT SUMMARY

20. Life Events Legal Plan Summary
PREVENTIVE LAW
Unlimited Telephone Consultation
Letters and Telephone Calls
Legal Contract & Document Review
Access To Legal Forms Online
ESTATE PLANNING
Preparation of Your Last Will and Testament
Annual Updates
Preparation of a Living Will and Durable Power of Attorney
MOTOR VEHICLE
Assistance with Moving Violations Anywhere in the US
Drivers License Services
Defense of Criminal Charges
Personal Injury and Physical Damages Collection
TRIAL DEFENSE
Defense of Civil Actions
Pre-Trail and Trial Assistance
Coverage Increases For the First Five Years
Summary of Benefit Only See membership policy for complete details, limitations and exclusions.

21. 25% Life Events Legal Plan Summary IRS AUDIT LEGAL SHIELD
IRS AUDIT SERVICES
Consultation
Representation at Audit
Representation at Trial
LEGAL SHIELD
24 Hour Access to the Provider Law Firm if you are ever arrested, detained, or served with a warrant.
PREFERRED MEMBER DISCOUNT
25% Discount from the attorney’s standard hourly rates for services not covered under the membership, including pre-existing conditions.
FAMILY
COVERAGE
Member
Spouse or Significant Other
Qualified Dependents
Summary of Benefit Only See membership policy for complete details, limitations and exclusions.
Please see membership contract for all details and exclusions.
Summary of Benefit Only See membership policy for complete details, limitations and exclusions.

22. These Services are offered exclusively by Kroll Fraud Solutions Group
Identity Theft Shield
These Services are offered exclusively by Kroll Fraud Solutions Group
Complete Credit Analysis
Continuous Credit Monitoring
Complete Identity Restoration
Minor Coverage

23. Safeguard For Minors
“I Owe $16,000 on my credit cards, my condo’s in foreclosure and I turn 7 on Friday”

24. Five Common Types of Identity Theft
Identity Theft Shield
Five Common Types of Identity Theft
Character &
Criminal
Employment
SSA & IRS
Medical
Financial
Drivers
License

25. Identity Theft Shield Complete Credit Analysis
Continuous Credit Monitoring
Complete Identity Restoration
Minor Coverage

26. $5.98 per week! Benefit Costs
Employees qualify for a special group rate of:
$5.98 per week!
That is less than the cost of a bottle of water a day!
Add $25 cents a week for minor coverage

27. Benefit Enrollment
This benefit is available through payroll deduction at a special group rate.
Complete the YELLOW highlighted area of your membership form.
$10 enrollment fee is waived for all employees

28. Benefit Enrollment
Complete the YELLOW highlighted area of your membership form.
If you want your payment through checking or saving account complete the PINK areas
If you want your payment through debit or credit card complete the BLUE areas
$10 enrollment fee is waived for all employees

29. Protecting Families, Finances, and Your FutureTM
Financial
Wellness Workshop
Protecting Families, Finances, and Your Future