Hel

pyourempl
oyeeskeepmor
eofwhatt
heyearn
andi
mpr
ovethei
rfi
nanci
alheal
th

Theneedf
orHel
l
oWal
l
et
U.
S.wor
ker
sae$6t
r ril
li
onbehi
ndonr
eti
rements
avi
ngsa
sthey
s
truggl
etoma
kes
ounddec
isi
onswi
tht
hei
rpa
ychec
kswhi
l
e
ba
lanc
ingmul
ti
ple,
compet
ingpr
ior
it
ies–l
i
keget
ti
ngoutofdebt
,
pa
yingmont
hlybi
l
ls,
buy
ingahous
e,orf
undi
ngac
hil
d’seduc
ati
on.

T
radi
ti
ona
lempl
oyer
-pr
ovi
ded na
nci
aleduc
ati
ona
ndi
nves
tment
a
dvi
cehel
pspa
rti
ci
pant
sdet
ermi
ner
eti
rements
avi
ngsl
evel
sand
a
sseta
ll
oca
tionba
sedont
hei
rri
skt
oler
anc
eandgoa
ls.

However
,thecha
ll
enge–part
icul
arl
yforwor
ker
s
l
ivi
ngpaychec
k-t
o-pa
yc k–i
hec sac hievi
ngthese
r
ecommendeds
avi
ngsl
evel
s.

I
tisnowondert
hatmor
etha
n6outof10r
eti
rementpl
anpa
rti
ci
pant
s
a
cknowl
edget
heya
renots
avi
ngenoughf
orr
eti
rementa
nds
houl
d
ha
ves
tar
teds
avi
ngea
rli
er.

“
Hel
l
oWal
l
etismuchmoresophis
ti
cat
edt
hanany
thi
ng
ont
hemarketandl
i
kenot
hingel
sewehav ”
e.
-VPGl
obal
Compens
ati
onandBenei
f
ts,For
tune20Manuf
act
uri
ngCompany

TheHel
l
oWal
l
ets
olut
i
on

“
Prov
idi
ngf
i
nanci
aladv
iceandeducat
i
oni
nthewor
kpl
ace
t
ypi
call
ygiv
esyouahi
ghl
ypr
oducti
ve,sat
i
sfi
edempl
oyee
[
because]y
ou’
veel
imi
nat
edanenormousstr
essi
nthei
rl
if
e.”
-Seni
orVi
cePr
esi
dent
,IBM HumanRes
our
ces

Cl
earbenef
i
tsf
ory
ourbus
ines
s

I
ncr
easeproduct
ivi
tyand St
ret
chcompensat
ionspend Sol
veworkplacefinanci
al
engagement competencyissues
82% ofempl
oyeesr
eportbei
ngmore I
na nenvir
onmentwher erai
sesar
elowerthan 56% ofempl oyeeswhoa r
enots avi
ngfor
foc
usedatworkwhenthei
rpers
ona
l desi
red,Hel
loWa l
let
’st
oolsforboost
ingwea l
th reti
rementreportneedinga ll
themoney
nancesa
rei
norder provi
deempl oyeeswit
hper sonal
i
zedtact
icsto from pay
chec ksforli
vi
ngex penses–
domor ewiththeirc
urrentpay keepingmanyf rom effec t
ivel
yutil
iz
ingand
HelloWall
etempower semployeest
ofeel appreci
ati
ngt heirtot
alrewa r
ds
mor eincontr
olbypr ov
idi
ngea s
yto
use—y etpowerful
—budget i
nga nd Hell
oWa l
l
eta i
dsintheimplementa t
ionof
cash-owopt imiza
tiontool
s benet scost
-sha
ringbyhelpingempl oyees
getoverthei
rbeha v
ior
alhurdlesand“nd
themoneyt osave”int
heircontri
butory
ret
ir
ementa ndhea l
thpl
ans

Provideunbiased,confl
ict
-fr
ee
Reachdi
verseempl
oyee Achi
evabl
emeasur
eablei
mpact
guidancethatcompl ements
popul
ati
onsataveryl
ow cost andretur
noni
nvestment(
ROI)
exi
sti
ngpr ogr
ams
Becaus
eemployeesdonotwanttobes ol
d 72% ofemployeesei
therdonotwa ntt
ot al
ktoa HelloWall
eta ll
owsempl oyerstobenc hmark
to,Hel
l
oWa l
l
etdoesnotacc
eptref
er r
alfees nanci
aladv
isororpr
efertowa i
tunti
ltheyhave nanc i
alhea l
thlev
els(
sa v
ings,debt,etc.
)
orcommissi
onsf
rom nancial
inst
ituti
ons– acert
ainamountofmoneys avedupbef or
e andmea sureimprovement sinret
ir
ement
ourguida
nceisal
waysi
nthebestinterest
sof speak
ingtosomeone readines
st hroughaggrega t
edqua rt
er l
y
youremploy
ees reports
Hel
loWa l
leti
sanac
cessi
bleonli
nesol
utionfor
Hell
oWa l
letal
socomplementsinvest
ment employeeswhodonott hi
nk“na nci
alpla
nning”
educat
iona ndadvi
ceprogramsbyhelping i
sforthem orwhoareemba r
ras
sedtoaskfor
employeesachi
evehighers
avingslev
els hel
pwi thbasi
c na
nc i
aldeci
si
ons

Theresul
t:
HelloWall
etdeli
ver
suptov eti
mes
theuti
l
izat
ionoftr
aditi
onalna nc
ial
pla
nni
ng
progr
amsa tabout1/5thecos
t

Asi
mpley
etpower
ful
r
esour
cef
orempl
oyees
Hi
ghl
yper
sona
li
zedc
alc
ula
tionst
hatc
ons
ideri
ncomea
ndex
pens
es

Cus
tomi
zeds
ugges
ti
onsf
orboos
ti
ngwea
lth

Rec
ommenda
tionsf
orba
lanc
ingmul
ti
ple,
compet
ing na
nci
alpr
ior
it
ies

Dy
nami
cal
l
ytr
ack
edex
pens
es,
budget
s,a
ndgoa
lsi
nrea
l-t
ime

F
riendl
yema
ila
ler
tst
okeepempl
oyeesa
ndt
hei
rfa
mil
i
eson-
tr
ack

Or
gani
zedv
iewofa
llna
nci
ala
ccount
sinonepl
ace

Reduc
ed na
nci
als
tres
s,a
chi
evi
ngpea
ceofmi
nda
ndhol
i
sti
cwel
l
nes
s

Demonst
rat
edmeas
ureabl
e
r
esul
ts
Bet
aver
sionofHel
l
oWal
l
ethel
pedempl
oyees
:
I
ncr
easeweal
thbya
nav
ergeof$2,
a 191t
hroughs
ett
inga
nds
ti
cki
ngt
osa
vings
a
nddebtgoa
ls

Fi
ndana veragesav
ingsof$441f
rom bet
terba
nkpr
oduc
tsa
nda
ll
oca
tiona
cros
s
depos
ita
cc ounts
.

Reduceov
era
lldebtl
evel
sov
eraper
iodwher
eU.
S.hous
ehol
dsi
ncr
eas
edt
hei
r
debt