Take Control of Your Finances with Our On-Demand Webinar and Budgeting Worksheet Managing money can feel overwhelming, but it doesn’t have to be. This on-demand webinar and budgeting worksheet are here to help! This educational toolkit is designed to give you the confidence to budget, save, and plan for the future. Watch the Video What the webinar covers Why budgeting matters: Discover where your money is going and take charge of your finances. Debt strategies: Find out how to pay down debt while still saving for what’s important. Goal setting made simple: Plan for emergencies, vacations, and retirement with ease…

As senior leaders start to retire, learn best practices for smooth committee transitions.   Change is upon us. The Silver Tsunami is lifting the baby boom generation into retirement. For many companies, this means shifts in 401(k) committee leadership. As with all committee processes, having a clear plan is essential. A well-documented transition process can help new and existing members understand their roles, and smooth and consistent transitions will keep plans operating seamlessly. Develop a consistent onboarding process A thorough and repeatable process for onboarding new committee members is essential. In many cases, the process begins with an orientation program…

Financial education makes a big difference. That’s why the Designing Your Future on-demand webinar is now available! This easy-to-follow video and worksheet provide guidance on setting smart money goals and building a secure future. It’s simple, free, and available anytime. Watch the Video What the webinar covers Short-term goals: Tips on essentials like building an emergency fund and managing debt. Mid-term goals: Strategies for saving for big purchases or career growth. Long-term goals: Insights for retirement planning. Download the Worksheet Benefits of a Financial Education For employees: Better planning leads to less stress, more focus, and increased financial confidence. For…

As a business leader overseeing your company's 401(k) plan and understanding the investment menu's intricacies can play a significant role in shaping your employees' retirement outcomes. In our comprehensive guide, we explore different ways to evaluate and improve your current offerings. We discuss innovative ideas for assessing your plan’s asset allocation strategies and provide recommendations for creating an effective investment line-up.   Download the 401(k) Investment Menu Guide   102 WEST HIGH STREET, SUITE 200 GLASSBORO, NJ 08028 HFM Investment Advisors, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it…

Does your 401(k) plan design support “on time” retirement?   Delayed retirement is becoming increasingly common among Americans, impacting employers’ bottom lines, talent acquisition cycles, and overall productivity. A recent survey found that one in four employees anticipate working beyond their initially planned retirement age, and 9% fear they may never be able to retire.[1] This data supports a longer-term trend: since the early 1990s, rising labor force participation among older workers has lifted the average retirement age in the United States by three years.[2] Impact of delayed retirement on employers These findings have important implications for employers. While retaining…

Regularly reviewing finances is essential. As a retirement plan sponsor, encourage your employees to use an annual financial checklist. Get their families involved for added benefits. Making small adjustments yearly can boost confidence and financial well-being. Empower your employees to take small steps that can make a huge impact, reinforcing that proactive annual adjustments promote confidence and well-being for their financial futures. Download Employee Education 102 WEST HIGH STREET, SUITE 200 GLASSBORO, NJ 08028 HFM Investment Advisors, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it should not be relied…