Financial Wellness Programs
Financial guidance that goes beyond the retirement plan.
Employees don't make retirement decisions in isolation. Cash flow, debt, emergency savings, taxes, family responsibilities, investments, and other financial priorities can all influence how they approach long-term planning.
PointOak's financial wellness programs connect everyday financial decisions with retirement and longer-term financial planning, giving employees access to education as well as individualized guidance when they need it.
- Financial Education
- Holistic Financial Planning
- Complimentary 30-Minute Consultations
- Retirement & Investment Guidance
Financial Wellness Is More Than Budgeting
Financial wellness can start with budgeting and debt management—but it shouldn't end there.
Employees at different stages of their careers may need help with very different financial decisions. A new employee may be balancing student loans with retirement contributions. A mid-career employee may be managing competing savings goals. Someone approaching retirement may be thinking about Social Security, Medicare, investments, and retirement income.
PointOak connects these conversations rather than treating each financial topic in isolation.
Everyday Finances
Cash flow, budgeting, emergency savings, and debt.
Saving & Investing
Retirement contributions, investment allocation, savings priorities, and Roth versus pre-tax contributions.
Life & Financial Decisions
Changing jobs, family changes, beneficiaries, and account consolidation.
Retirement Planning
Retirement readiness, Social Security, Medicare, and retirement income.
Holistic Financial Planning
Bringing the different pieces together around the employee's goals and circumstances.
Group Education + Individual Guidance
Financial education can be delivered through group sessions focused on topics relevant to the workforce.
But personal finances are personal. Employees may have questions that aren't appropriate—or practical—to address in front of their coworkers.
PointOak therefore gives participants access to a complimentary 30-minute individual consultation with a PointOak advisor, scheduled directly through our online calendar.
Employees can use that meeting to discuss financial and retirement-planning questions specific to their circumstances.
Learn together: Group financial education around topics relevant to the workforce.
Ask individual questions: Meet privately with a PointOak advisor.
Connect the pieces: Consider retirement-plan decisions within the employee's broader financial picture.
Financial Wellness Across the Employee Lifecycle
Onboarding
Starting a new job often creates several financial decisions at once.
- 401(k) Enrollment
- Contribution Decisions
- Roth vs. Pre-Tax
- Previous Employer Accounts
- Beneficiaries
Building & Balancing
As employees progress through their careers, financial priorities often compete with one another.
- Emergency Savings
- Debt
- Retirement Contributions
- Investing
- Family & Savings Goals
Preparing for Retirement
The financial picture becomes increasingly interconnected as retirement approaches.
- Retirement Readiness
- Social Security
- Medicare
- Investment Allocation
- Retirement Income
Offboarding & Transitions
Changing employers or retiring can create important decisions involving workplace benefits and retirement assets.
- Distribution Options
- Rollover Considerations
- Account Consolidation
- Retirement Planning
Customized Around Your Workforce
A financial wellness program shouldn't simply provide employees with a large library of generic financial content.
PointOak works with the plan sponsor to identify topics that are relevant to the workforce and coordinate education with the organization's retirement plan, benefits, and available recordkeeper resources.
Programs may combine group education, one-on-one consultations, financial wellness topics, retirement education, customized communications, and recordkeeper resources.
When Financial Wellness Becomes Financial Planning
A financial wellness program can help employees understand financial concepts and address specific questions. Some employees, however, may want a more comprehensive financial plan or ongoing investment management.
PointOak can provide those services through a separate individual advisory relationship when requested by the participant.
That may include comprehensive financial planning, investment management, IRA and Roth IRA management, retirement income planning, and broader wealth management.
Participation in PointOak's private wealth or financial planning services is optional and separate from the employer's retirement-plan engagement. Separate advisory agreements and fees may apply.
Our Financial Wellness Process
Assess: Understand the workforce, retirement plan, available benefits, and existing educational resources.
Prioritize: Identify financial topics and employee groups where additional education or guidance may be useful.
Educate: Provide group education around relevant financial and retirement-planning topics.
Connect: Give employees direct access to complimentary individual consultations.
Support: Coordinate available plan resources and provide additional guidance when appropriate.
Why PointOak
Financial Wellness Connected to Retirement and Financial Planning
PointOak isn't a standalone financial wellness content provider. We're an independent investment adviser with experience advising both employer-sponsored retirement plans and individual clients.
That combination allows us to connect workplace retirement benefits with the broader financial decisions employees are making outside the plan.
Employees have access to group education as well as individual conversations with an advisor—and participants who want more comprehensive assistance can separately engage PointOak for financial planning or private wealth management.
Frequently Asked Questions
What is an employee financial wellness program?
A financial wellness program provides employees with education and guidance around financial decisions that can affect both their current finances and long-term planning. Topics may include cash flow, debt, emergency savings, investing, retirement contributions, Social Security, Medicare, and retirement planning.
How is financial wellness different from retirement-plan education?
Retirement-plan education focuses primarily on the employer-sponsored retirement plan and the decisions participants make within it. Financial wellness considers the employee's broader financial picture and how other financial priorities may interact with retirement planning.
Does financial wellness include one-on-one meetings?
Yes. PointOak participants have access to complimentary 30-minute individual consultations where they can discuss financial and retirement-planning questions specific to their circumstances.
Is financial wellness the same as comprehensive financial planning?
Not necessarily. Financial wellness may involve education and guidance around specific financial topics. Comprehensive financial planning generally involves a more detailed evaluation of an individual's overall financial circumstances, goals, assets, income, taxes, retirement strategy, and other planning considerations.
PointOak can provide comprehensive financial planning through a separate individual advisory relationship when requested.
Can the program be customized for our employees?
Yes. Topics and delivery can be tailored around the organization's workforce, retirement plan, benefits, and education priorities rather than relying solely on standardized financial content.
Can PointOak work with the resources our recordkeeper already provides?
Yes. PointOak can coordinate with recordkeeper resources rather than duplicating tools and education that are already available.
Connect Financial Wellness With the Bigger Picture
Give employees access to practical financial education, individual guidance, and retirement expertise—while providing a path to more comprehensive financial planning when they want it.