The Participant EffectSM can help you create a more confident retirement down the road.
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The Participant Effect is a guidance based, beginning to end retirement solution to help create confidence in your financial life. Together with your employer, our goal is to help you pursue financial well-being in retirement.
Retirement may seem like an elusive dream that you don’t believe you’ll ever reach. Or maybe you think that its not possible to start saving now. The Participant EffectSM is here to tell you that you CAN achieve your retirement goals and it’s NEVER too early or too late to start.
The Financial Wellness Assessment will provide you with a personal Financial Wellness score that can serve as your benchmark as you make steps to become more financially well. You will also be guided to information relevant to the financial priorities you’ve identified and the information will help The Participant Effect team tailor group education workshops to specifically address the needs of you and your colleagues.
Seventy Percent Of Human Resources Professionals Say Personal Financial Challenges Can Impact Employee Performance.1
Sixty-six percent of employees say it would be at least somewhat difficult to pay bills if their next paycheck were a week late.2
1-SHRM, “Financial Wellness in the Workplace”, May 2014
2-American Payroll Association, “Getting Paid in America, Survey 2013.”
Adequate insurance coverage is the foundation of a sound financial plan. No matter how well your investments perform, an unforeseen emergency such as a fire, theft or natural disaster may leave you completely unprepared not only to meet the financial needs of your retirement, but your immediate needs as well.
Many people mistakenly assume that the time for owning stocks is over once they hit retirement. But such blanket statements are not true for everyone. There are a variety of factors that should affect how much of your portfolio, if any, should be devoted to equities during your golden years. Here are some factors to keep in mind:
You probably already have homeowners and auto insurance. But there are many other types of policies that can help safeguard you and your family from unforeseen financial disasters. Speaking to a qualified insurance agent and reviewing your coverage and personal circumstances is a prudent course of action to help ensure that you and your family have adequate protection.
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