The Pathways to Financial Wellness

A guide to helping employers & their employees build financial confidence.

John A. Nabergall, II

“74% of American workers are anxious about their future financial circumstances. Even higher, 79% of workers believe their employer should play a role in alleviating their financial stress.*

It’s no surprise Financial Wellness is ranked as the number 1 requested employee benefit.

As advisors and fiduciaries, our job is to Educate, Equip, & Empower employees to make the most of their financial life.

Pathways is our comprehensive financial wellness program, broken down into smaller sessions, virtually or in-person, to allow employers a new powerful benefit and retention tool.”

The Planning Areas
The Pathway Employee Wellness Model

  • Investment Planning

    After several years of steady growth since the Great Financial Crisis, the Covid-19 pandemic and subsequent monetary and fiscal policy has shifted the investment landscape. Within a short time, we have seen high volatility, high interest rates, bear markets, economic resilience and mixed data. It’s more important than ever to have a sound investment process.

  • Tax Planning

    Congress recently passed legislation which included nearly $80 billion dollars to the IRS, with reports of up to 87,00 new enforcement and audit agents. It’s more important than ever to ensure your taxes are in order. Major components of tax legislation are sunsetting soon, which potentially mean higher effective tax rates, higher likelihood of estate taxes, and a greater need for proactive tax planning.

  • Retirement Income

    With 2 bear markets in just over 2 years, and interest rates running at 30 year highs, employees close to retirement are seeing a changing economic world. People are worried if they can depend on Social Security in the coming years. Constructing a retirement income plan that can last for a 30+ year retirement is vital.

  • Healthy Emotional Relationship with Money

    Since the Covid-19 pandemic began, we have seen a greater prevalence of financial stress and negative attitudes and behaviors surrounding family finances. We believe building a healthy relationship with money is foundational to improving one’s financial condition.

Richard Heckard, CPA

“For many of the employers and businesses we work with, employee retention is a common issue. By offering unique and hands on benefits, such as financial wellness training, you put yourself into a new category of employer. Our goal is to help your retention and workplace satisfaction by helping your employees feel financially confident.”

Pathways to Financial Wellness is both a course and our holistic financial planning process.

We hold in-person, virtual, and private workshops year round.
To learn more about Pathways to Retirement, you can explore our website, or email us with the link below.
If you’re interested in working with us or learning about us, follow this link to learn about our First Conversations.

*Workplace Wellness Study, 2023. EBRI, Oct. 2023