1. WELCOME TO THE COURSE ! EMPLOYEE WELLNESS WORKSHOP FINANCIAL EDUCATION IN THE WORKPLACE Your Instructor is Mr. Fraser Allport Certified Estate Planner™ Owner of “ Safe and Smart Money, LLC ” A Registered Investment Advisory Firm www.FRASERALLPORT.com 772 - 643 - 4850 1

2. FINANCIAL EDUCATION IN THE WORKPLACE  Improving Workplace Productivity, Health and Harmony through Personal Financial Education for HR Managers and Employees.  Being a Competitive and Compassionate Employer in a Knowledge-Based Economy 2

3. The Big Picture  In his book “ The 7 Habits of Highly Effective People ”, Steven Covey teaches us to “ Start at the End. ”  Meaning that Successful People start Successful Projects by first determining what The Goal is, and where The Finish Line is. The challenge is to then work backwards, from Z to A, in determining where to start your Great Endeavor. 3

4. The Employer’s Challenge & Goal  For every Employer and Employee in the 21 st Century, the challenge will be the recognition that we live in a “Knowledge-Based Economy.”  The Industrial Revolution is behind us, and The Information Age is really just dawning.  The Goal for any Employer - large or small - is obvious, compelling, and motivating : An Organization that has an un-trained and un-educated Workforce is not going to compete and survive. 4

5. Up The Learning Curve Together Employer and Employee  This Workshop attempts to start the process of educating your Workforce about their Personal Finances, because “ Money Stress ” kills people and their productivity.  This is true for both the Employer as well as the Employee. The Employer must be in the huddle too. 5

6. Stress Kills ….  Stress Kills. It is The Silent Epidemic of The 21 st Century. Amidst the fast-pace of The 21 st Century, everyone is so busy Making Money, that they have no time to learn the skills to manage it properly.  This is the curse of a Society that moves too quickly : Everyone is too busy being busy to actually Get Ahead. Everyone is working and running with their head down. 6

7. Getting Ahead  And so no one knows where they are headed with their financial future.  Most people are running hard to stay in place financially, or just doing laps, but not truly Getting Ahead. And they know it. And it eats at them, all the time.  And that’s really Stressful … worrying and afraid that your hard work is not really getting you anywhere. 7

8. Financial Insecurity  For the average Worker, there is no Finish Line, no Comfortable Retirement, no American Dream, and no Peace of Mind.  Their financial insecurity is the stress that gnaws at most of your Employees, wakes them up in the middle of the night, causes arguments with their Spouse, and constantly distracts them at work. For many average Americans, Retirement is a mirage. Instead, they believe that they will have to work until they die. Working hard every day, with no end in sight, ever. That’s more than just Stress for people. That’s downright depressing and de-motivating.  How can you expect the best from an Employee who feels stressed this way, every day ? 8

9. Manage Money as well as Make It  If You and your Workforce want to survive and succeed in this “ Information Century ”, then teach your People how to Manage Money as well as Make It.  If Money trumps People in your Company or Organization, that myopia is going to kill your Workforce, and your entire Organization.  History is very clear on this point : Taking care of People is Job # 1, or else none of your other Goals are achieved. 9

10. The Total Employer  This is where The 21 st Century Employer is smart, far-sighted, proactive, and caring. This is what makes You “ The Total Employer” Compassionate about helping your Employees, and also shrewdly Competitive about giving them an edge.  That edge is helping your Employees learn how to Manage Money as well as Make Money. That’s The Total Employer in The 21 st Century. That’s You, right ?  Become “ The Total Employer ” and assist your Workforce to Manage their Money as well as Make It. Your compassion will enhance your Organization’s competitiveness. “ Financial Wellness in The Workplace ” is gaining traction as a smart Best Practice.  If you are not implementing Financial Wellness … Your competition is. Do you want to retain a well-educated and motivated Employee, or do you want them to seek another Employer who takes better care of them? 10

11. The Problem  Financial concerns may be a personal matter, but they directly affect the Workplace.  There is a proven, direct correlation between a Financially Educated Workforce, and your Firm’s Bottom Line. Research shows that a majority of Employees have persistent financial problems severe enough to have a negative impact on their workplace performance. ( Please see the Footnotes )  It’s just common-sense. People bring their problems to work. Especially Financial problems. “ Money Stress ” is right at the top of the list of stressors in a person’s life, including the Employer.  The articles in the footnotes confirm the studies that a financially stressed Employee spends an average of 20+ hours per month taking care of their own personal financial problems while at work. That’s 240 hours annually on the clock. Your clock. 240 hours annually is the equivalent of giving that Employee a six week paid vacation to handle their personal money problems, at work, on your time. That’s right - A six week paid vacation. 11

12. The Workplace goes Downhill  Stressed Employees also negatively affect other Employees and your top Management. Fractious “ Workplace Conflict ” heightens tensions, and your entire Workplace suffers as relationships deteriorate and Teamwork vanishes. Employees and Management alike become angry, distracted, less loyal, and less productive. Insubordination, Absenteeism, and health-related problems rise as Employee morale sinks. Money Stress is at the root.  Another depressing Stressor for your Workforce is that there are no longer secure Company-paid “ Pension Plans ”. Those days are over. Today, Employees need to learn how to save for their own Retirement, or else they will not ever have one. Employees know their plight, and fear their unknown future. That’s debilitating.  Insecurity breeds Fear, and Fear is a tremendous Stressor and de-motivator. Fear paralyzes human beings. Nothing gets done in your Workplace except arguing and worrying. Your best Employees quit because they just can’t take the stressful Workplace environment anymore. The Best quit, and The Worst stay. And The Worst become the cancer that eats at your entire Organization. Turn it around : Education empowers, and breeds Leaders. 12

13. The 21 st Century Workplace  In the 21 st Century, Employers have shifted the responsibility for an Employee’s Retirement Savings from the traditional Employer Pension to the Employee now becoming personally responsible for their Retirement Savings in their Employer-Sponsored 401(k), 403(b), 457, Profit-Sharing, IRA and Cafeteria Plans.  Employees are also being asked to choose Health Insurance Plans with a myriad of options, which is another confusing financial headache for them to handle.  The crux of the problem is that the Employee has no training and tools to do this Financial Planning !  Adding Money Management, Retirement Planning, and Health Insurance to an Employee’s already-full plate only increases their stress, especially since virtually no Employee has any true Financial Education or training in these areas. 13

14. Best Practices  Asking your Employees to do what they are neither trained nor equipped to do is a sure-fire set-up for failure. Failures in your Workplace become a vicious downward spiral : Failure breeds defeatism, which leads to more failure. Team Morale plummets, absenteeism and health-related problems rise, and your best Employees quit out of frustration. Harmony and a “ Winning Attitude ” are replaced by a myriad of negative human emotions and actions. Your Workplace becomes poisoned by “ Bad Actors ”.  Smart and forward-thinking Employers understand that Money causes angst, and people under stress are less happy and less efficient, make more mistakes, and have lower morale. “ Money Stress ” is a direct contributor to Absenteeism, Health problems, and Employee retention. And any Employee’s problem eventually becomes the Employer’s problem as well.  Increasingly, astute and proactive Employers are tackling this problem of Employee Money Stress in the workplace by initiating Financial Wellness Educational Workshops for their Employees. “ Financial Wellness in The Workplace ” is fast becoming a Best Practice. 14

15. The “ De-Stress ” Solution  Your Employees need to be financially knowledgeable, involved, and secure with their Money, so that they can be at their best for You. Their financial Peace of Mind positively translates into your Workplace in 101 ways.  How does an Employer accomplish this Goal of financially elevating their Employees ? Give your Employees a fast and fun, on-site Workshop that will give them valuable Lifetime Money skills. Skilled Employees are better Employees 15

16. EMPLOYEE WELLNESS WORKSHOP  Improving Workplace Productivity, Health and Harmony through Personal Financial Education  Education for HR Managers and Employees.  Education for Business Owners and Management 16

17. The Workshop Benefits for Employers Research clearly shows that a consistent ( i.e – Quarterly ) Workplace Financial Education Program for Employees also benefits Employers in multiple ways :  Increase Employee contentment, Productivity, and Peace of Mind through personal financial education and information.  Increase Employee affinity and Loyalty to Company.  Increase Employee Self-Esteem, Confidence, and Communication skills.  Reduce Employee stress-related illnesses and absenteeism.  Inspire Leadership. Educated Employees aspire to become Management.  A great place to work increases Employee retention and attracts better Employees.  Decrease direct Employer costs related to wage garnishments, bankruptcies, payroll deductions for child support and alimony, administrative costs for borrowing against 401(k) Plans, etc. Absenteeism and Insubordination decrease.  In sum, Educated Employees achieve and excel more. Simple, but profound.  Your Managers, HR, and Payroll Departments will LOVE this Workshop ! 17

18. The Workshop Benefits for Employees  Change Employee behaviors and attitudes that negatively affect total job performance and workplace harmony. Financial Peace of Mind translates positively into every facet of daily job performance and workplace relations.  Employee Continuing Education enhances Self-Esteem and Goal-setting.  Personal and Professional Development creates Leaders in your Workforce.  Educating and Elevating Employees increases their Loyalty to the Employer.  Overcoming “ Fear of Money ” reduces Employee “ Money Stress ”.  Financial Skills learned that will last a Lifetime, literally. Knowledge empowers.  The Intangibles. Content vs. Cranky makes a world of difference in the Workplace.  This Workshop’s “ Town Hall ” style Q&A improves inter-personal Communication, Leadership, and Public Speaking skills.  A Win-Win for both Employee and Employer. Excellence breeds Achievement, and Success is contagious. Employees are proud of themselves, and the Organization that helped them learn and grow.  Healthy, Happy People perform better, and make better Employees. Productivity increases Profitability. 18

19. What’s In It for You ?  The Death of The American Middle Class.  It’s Not What You Make … It’s What You Keep  Every Dollar that you save on Expenses …. COMPOUNDS ! http://www.interest.com/calculators www.interestcalc.org 19

20. Employee Wellness Workshop: 10 Core Educational Modules 20

21. 1. Make Money Simple and Fun ! Learn, and Save More, with simple, free, online SW and apps’ that will help Employees track and manage their Money.  People cannot manage what they cannot measure.  A person can only master their Money if it’s in a System. Get Smart with Money and you will have more of it !  Attendees will learn Dave Ramsey’s “ Envelope System ” and other simple Money Management tips. 21

22. FREE ONLINE SOFTWARE FOR MONEY MANAGEMENT  budgetpulse.com budgetpulse.com  personalcapital.com personalcapital.com  buxfer.com buxfer.com  mint.com mint.com  money.strands.com money.strands.com  inexfinance.com inexfinance.com  waveapps.com waveapps.com  waveapps.com/personal waveapps.com/personal  mvelopes.com mvelopes.com  http://abt.cm/1DkZU83 http://abt.cm/1DkZU83 22

23. 2. Time is Money  Free Online SW to help manage and track the Employee’s TIME.  Because Time is Money, right ? Time and Money management go hand-in-hand. Double-down on Efficiency, Productivity, and workplace Harmony by having your Employees master both Money and Time management skills.  Also, time-management techniques from the book – “ Rich Dad Poor Dad ” by Robert Kiyosaki 23

24. FREE ONLINE SOFTWARE FOR TIME MANAGEMENT  moneystream.com moneystream.com  asana.com asana.com  rememberthemilk.com rememberthemilk.com  evernote.com evernote.com  todoist.com todoist.com  glip.com glip.com  rescuetime.com rescuetime.com  teamup.com teamup.com  wonderapps.se/Atracker/ wonderapps.se/Atracker/  http://abt.cm/1z0gqpZ http://abt.cm/1z0gqpZ 24

25. 3. Pre-Tax Investing and Savings  Understanding Your 457 Deferred Compensation and other Investment options.  Learn about the power of pre-tax investing and systematic savings through payroll plans and Dollar Cost Averaging.  The Story of The Four Quarters 25

26. 4. Health Care Choices  Understanding your Health Insurance choices and prices.  Deductibles, Co-Pays, Co-Insurance, “ Obama Care ” and other terminology explained in simple lay language.  Get your “ Summary of Benefits “ in a pdf from Blue Cross and put it on every mobile device you have.  Call Fraser at 772 – 643 - 4850 with any Health Insurance questions – I am another resource for you. 26

27. 5. Power Down Your Debt  Debt is one of THE Great Stressors in people’s lives, so let’s get rid of it !  “ Power Down ” all of your Debt and your Mortgage.  First and Best way to Get Ahead … is to Get Out of Debt. ANY kind of Debt : Mortgage, Student Loans, Credit Cards, Cars, Boats, Trucks, RVs, Business Debt.  Many of Dave Ramsey’s concepts will be explained, and every Employee will get a free “ Get Out of Debt ” report. 27

28. Get Out Of Debt  Get You Out of Debt. Any and all Debt, both Personal and Business.  You cannot truly Get Ahead financially … until you Get Out of Debt.  Debt is The 8th Wonder of The World working against you, daily. That’s like having Superman as your nemesis !  Debt Service comprises how much of your Business and Personal Budget ? Do you know ? 28

29. Get Out of Debt Report - 1 29

30. Get Out of Debt Report - 2 30

31. 6. Saving On Income Taxes  Income Taxes. Most Americans needlessly overpay their  Income Taxes. Do not do your Taxes alone !  Income Taxes comprise 20% - 40% of a person’s daily work. This is too big a bill to ignore, or be ignorant about. This Course will teach you easy ways to get involved in your Income Taxes, get smarter, and save money annually. Do not over-pay or under-pay your Income Taxes. Pay just The Right Amount.  Find out what the right number is for your tax bill. Every Employee will receive a free “ 10 Minute Tax Tune-Up ”. 31

32. 7. Insurance 101  Insurance 101 – Every kind of Insurance is discussed, so that the Employee can learn how to be an Educated Consumer, Shop and Compare, and SAVE MONEY on all of their Insurance bills.  Most people over-pay their insurance bills simply because they do not know how to shop and compare.  Let’s spend 1 hour together doing a review of all of your Insurance policies … to save you 10% - 20% on your Insurance expenses. These are Annual Savings ! 32

33. 8. College Planning  The ABC’s of all available College Plans in 2015, plus Insured Plans.  In a 529 Plan, earnings are not subject to federal tax and generally not subject to state tax when used for the qualified education expenses of the beneficiary, such as tuition, fees, books, as well as room and board. Contributions to a 529 plan are not tax deductible.  $ 14,000 is the maximum annual contribution before being subject to Federal Gift Taxes. http://www.irs.gov/uac/529-Plans:-Questions-and-Answers http://www.irs.gov/pub/irs-pdf/p970.pdf http://www.irs.gov/pub/irs-pdf/p970.pdf - Tax Benefits for Education  529 Plans http://bit.ly/1qu2C7o http://bit.ly/1cUXxzr  Florida Pre-Paid http://www.myfloridaprepaid.com/college-savings-101/http://www.myfloridaprepaid.com/college-savings-101/ 33

34. Fully Insured College Plans  A combination of Cash Value and Term Life.  Parent(s) are both the Insured and the Owner.  No limits on Contributions.  No restrictions on how distributions are used.  Cash Value inside Life Insurance is used for College, or anything else. Living Benefits are Tax Free under IRS Code Section 7702.  Death Benefit is used to fund College if Parent dies prematurely.  No Risk to Principal … versus a 529 Savings Plan. 34

35. 9 - Retirement Planning  457 Deferred Compensation  Florida Retirement Pension - DROP Plan  Investment and Savings Accounts  Mutual Funds  ROTH IRA  Markets are dynamic – Things change all the time. All of your Investment Plans need to be reviewed and rebalanced Quarterly.  Getting Ahead is about not Falling Behind ! 35

36. 10 - Social Security  Retirement Planning and Social Security. No matter your age, you MUST understand and track your benefits so as to maximize them for Life.  Choosing your Social Security benefits is one of the most important financial decisions in your Life, but Social Security is a complicated system with many options.  Since the Social Security Administration is not allowed by Law to give you advice about your benefit choices, seek out professional help. Or else you may be stuck with a lower benefit than you were entitled to, for Life. 36

37. HOW Do You Get Smart with Your Money … and Get Ahead ? 1. The 1% Formula = 15 Minutes daily www.businessinsider.com/newsletter www.mainstreet.com www.finance.yahoo.com www.businessinsider.com/newsletter www.mainstreet.com www.finance.yahoo.com 2. Quarterly Meetings = 8 Hours a Year 3. Call Me anytime, for anything. Quick Phone Calls are an easy way to learn in small bites. 37

38. 10 FREE TOOLS TO HELP YOU Call me at 772-643-4850 and I Give You My Word that I will : 1. Help you choose and learn the best free SW for tracking your Money. 2. Help you choose and learn the best free SW for Time Management. 3. Help you start, review, rebalance, and protect your 457 Deferred Compensation Plan. 4. Help you understand your Health Insurance Plan so that you don’t end up over-paying when you use it. 5. Help you pay down your debts with my “ Get Out of Debt Report ”. 38

39. 10 FREE TOOLS TO HELP YOU 6. Help you review and understand your Income Taxes with my “ 10 Minute Tax Tune-Up ” so that you do not over-pay your Income Taxes every year ! 7. Help you with a review of all of your current Insurance policies. I will show you how to shop and compare, get the best policy at the best price, and save Money on your Insurance Bills. 8. Help you with College Planning. 9. Help you with Retirement Planning : Your 457 Plan, DROP Plan, and Savings Plan. 10. Help you understand your choices for Social Security so that you get the largest possible check. 39

40. Getting Ahead … or Falling Behind “ Do What You Can … with What You Have … Where You Are. ” Theodore Roosevelt 26 th President of The United States of America 1901 - 1909 40

41. Q & A.  Everyone – Employees and Management – are encouraged to bring their Money Questions.  This part of the Course is really Fun and helpful because people leave with their specific questions answered. People get educated, and empowered.  This Q&A reinforces the 10 Core Modules above, and also enhances the Employee’s Confidence, Communication, and Leadership skills. 41

42. Everyone leaves Happier and Smarter ! There is an old phrase in sports : “ Winning is Chemistry ” Give your HR Managers and Employees that Winning Edge with this Course. Get better Harmony and Productivity in your Workplace. The Employer is also encouraged to attend this Workshop. Please see Footnotes / Articles next. 42

43. FOOTNOTES Footnote # 1 - “ Employee Personal Financial Distress and How Employers can help. ” http://www.workplacementalhealth.org/Publications- Surveys.aspxhttp://www.workplacementalhealth.org/Publications- Surveys.aspx Footnote # 2 “ The Business Cost of Financial Stress ” www.daveramsey.com/media/pdf/fpu/workplace/overe xtended.pdf Footnote # 3 The American Institute of Stress http://www.stress.org/workplace-stress/ 43

44. FOOTNOTES Footnote # 4 http://www.moneymanagement.org/Community/Blogs/ Blogging-for-Change/2014/September/Work-and- Money-and-Stress.aspx Footnote # 5 http://www.businessnewsdaily.com/2267-workplace- stress-health-epidemic-perventable-employee- assistance-programs.html Footnote # 6 http://www.businessnewsdaily.com/2123-work-money- stress.html Footnote # 7 http://msue.anr.msu.edu/news/work_and_money_deali ng_with_financial_stress_in_the_workplace 44

45. Fraser Allport The Total Advisor™ 45 Owner of “ Safe & Smart Money, LLC ” A Registered Investment Advisory Firm Certified Estate Planner ™ Independent Insurance Agent 33 Years Experience - Excellence Since 1982 772 - 643 - 4850 Listen to Fraser on iHeart Radio WWW.FRASERALLPORT.COM