Category: Financial Wellness

The holidays are a joyful occasion for many of us. However, it is also a great opportunity to give thanks for what you have and give back to help those less fortunate. The holidays can be difficult for people experiencing financial difficulties or who may not have a support system to help them, especially right now. However, by donating to an organization helping those in need or giving a little of your time, you can make a big difference in your community and beyond.

Here are just a few ways to give back during this holiday season:

• When shopping at the mall: Many retail stores partner with nonprofit organizations over the holidays to provide shoppers with the opportunity to donate a small amount when purchasing their gifts. Consider rounding up your purchase to the nearest dollar and contributing this amount to the store’s organization of choice.
• When shopping online: A wide variety of online retailers will make a donation for every purchase you make during the holidays, and often throughout the year. However, many websites are now offering the option of designating the organization of your choice. By shopping through a site like Amazon Smile or Goodshop, you can shop at thousands of online retailers, and the site will donate a portion of your purchase price to the organization that you choose.
• By making a donation: In addition to donating while shopping, you can also make a direct contribution to your favorite cause. Collect canned goods for the local food bank, organize a toy drive to support Toys for Tots, sponsor a local family who may need some extra help this year, donate food to the county animal shelter or participate in GW’s Give a Gift event that provides gifts to families around the D.C. area. Anything you can give, either money or resources the organization may need, can make a huge impact for those they help.
• By giving your time: You don’t have to spend or donate money to make a difference. By volunteering an hour or so of your time, you can help make someone’s holidays just a little brighter. While there may be health and safety restrictions in place, there may still be opportunities to help. Reach out to the local food bank or soup kitchen to see if you can help serve a holiday meal or sort through donations; help out at a 5k race for charity; coordinate a group of friends to make care packages for a local senior center; wrap gifts at the mall to raise funds for a local organization; take a shelter dog out for a walk – the opportunities are endless. Think about what you might be interested in doing and reach out to a local organization to see how you can help.

They say that it is better to give than receive, so take a moment (or more!) to give back and provide some much-needed holiday joy to others this year. 

Other helpful resources

For more opportunities to give back this holiday season, please visit any of the sites listed below:

• Volunteer Match
• Charity Navigator
• United Way

You can also view other Holiday resources related to your financial health and wellbeing this season by visiting Health Advocate, Fidelity, or TIAA websites.

America Saves Week, February 21 – 25, 2022, is a national effort to motivate, support and encourage us to set savings’ goals, make a savings plan, and use automatic contributions to support those plans.

Each day of American Saves Week focuses on areas of financially resiliency, which includes being conscious of your own financial landscape and being aware of resources.

Watch informative, short videos that focus on daily themes to illustrate how saving is possible despite challenges and life experiences.

Day 1: Save Automatically

Day 2: Save for the Unexpected

Day 3: Save to Retire

Day 4: Save by Reducing Debt

Day 5: Save as a Family

Being financially resilient is more than having access to money; it includes being conscious of your own financial landscape, being aware of available resources, and being willing to seek out and take advantage of opportunities that will support and increase your financial wellness.

Schedule a Retirement Counseling Appt

Fidelity and TIAA both offer retirement counseling appointments where you can check-in on your progress goals and ask questions on how to make saving adjustments.

If eligible, you may have received a tax document, Form 1095-C that reports information about your medical coverage in 2019. While you will not need to include your 1095-C with your 2019 tax return filing, or send it to the IRS, you may need information from your 1095-C to help complete your tax return. Think of it as your “proof of medical insurance” for the IRS.

Who receives a 1095-C form?

Any GW employee who was considered full-time at any point in 2019 or who was enrolled in a GW medical plan in 2019. The Affordable Care Act defines “full-time” as an employee who worked an average of 30 or more hours per week.

There are three parts to the form:

• Part 1 reports information about you and your employer.
• Part 2 reports information about the coverage offered to you by GW, the affordability of the coverage offered, and the reason why you were or were not offered coverage.
• Part 3 reports information about the individuals (including dependents) covered under the self-insured plan.

For more information about the 1095-C, please visit irs.gov.

America Saves Week is an annual initiative and call to action for everyday Americans to commit to saving successfully. Take less than 5 minutes today to be inspired by the following short videos that show how everyday habits can help you prepare for retirement and unexpected events while also teaching your children about managing money and check out Take the Pledge to kick start your savings

Save for the Unexpected

Putting money aside for a rainy day doesn’t always need to be a big investment, a simple deduction of $25 a month can help you if an unexpected cost occurs. Watch this short video of a mom who had a plan when she needed to make an unexpected car repair.

Save as a Family

The best way to teach great money habits to our children is to model great money habits. While most Americans know the importance of making sound financial decisions, many feel that money management wasn’t taught to them at a young age. Watch how this family teaches their children about simple ways to save while having fun.

Save by Reducing Debt

We all want to create a better relationship with our money.  You can do this by taking simple steps to pay down debt and reach financial security.  When you pay on time, you save on late fees and maintain your credit score – which will save money long-term. After debt is paid, you’ll have extra resources to set aside for vacations, hobbies and increased retirement savings.

Mark Your Calendars: Retirement and Financial Wellbeing Fair

Join us Tuesday, November 12 for the bi-annual Financial Wellbeing and Retirement Fair at the Foggy Bottom campus.  One-hour sessions are curated for all employees, regardless of your financial or career stage. Being empowered to chart your financial journey not only rewards the future you, but it reduces stress in the present. Join us for the following sessions:

Retirement Track:

• “Within Reach: Transitioning from Career to Retirement” by TIAA
• Retire from GW, presented by Paul Martin, GW Benefits Administrator for Retirement
• Medicare Supplemental Plans
• Maximize Social Security in Your Retirement Strategy

Financial Wellbeing Track:

• Getting and Keeping Good Credit
• Invest Confidently for Your Future
• Your Debt Free Game Plan
• “Women’s Guide to Financially Ever After”

Americans are living longer than ever before, resulting in lengthy retirements. Start planning for your future today to ensure you’ve thought through expenses – both planned and unplanned.  Our retirement providers, Fidelity and TIAA get the conversation (and thinking) started with the following webinars:

A sample of TIAA webinars offered in September is below. A full list of webinars can be found here.

• September 18, 3 p.m. EDT – The Starting Line: Beginning to Save for Retirement
  • Learn how to evaluate and manage debt. Find additional ways to save, create a budget and start a retirement plan
• September 17, 3 p.m. EDT – She’s Got It: A Women’s Guide to Saving and Investing
• September 19, 3 p.m. EDT – Healthy Numbers: Integrating Healthcare into Your Retirement Plan

Fidelity:

Life Events Effects on Finances Checklist from Fidelity

• Major life events give us an opportunity to take stock of our current financial status. Review the following helpful checklists from Fidelity that will help you organize, budget and set goals for your future.

Women: Demand More from Your Money and Health

• One of the biggest anxiety producers for women is money; more than 85% of women are stressed about it across all backgrounds and incomes—can you relate? Hosted by CBS’ Gayle King, Weight Watcher’s Mindy Gross and Fidelity’s Kathleen Murphy listen to the latest podcast from Fidelity that explores 3 secrets to conquering money stress—from women for women.

Running out of time to join a webinar? 

Enjoy this quick Read Article: What Burpees Taught Me About Investing (TIAA).

You can view more webinars here.  Register: www.tiaa.org/webinars

If you are enrolled in a high deductible health care plan, an HSA is a tax-advantage medical savings tool that is designed to help you pay for current eligible health care costs and help you save for future medical expenses.  There are unique benefits of an HSA, including the fact that your money stays with you even if you switch employers, change health plans or retire.

In addition, an HSA earns interest and you can invest your HSA funds, making it another savings mechanism for retirement.   Once you reach a minimum balance of $1,000, you can open an investment account and invest your funds over $1,000. More good news – the contributions, earnings and qualified withdrawals to these investment accounts are tax-free. The PayFlex website has more information on these topics as well as a short video overview to help you get the most from your HSA.

Please take a few minutes this month to review your beneficiaries for your retirement savings plan, life insurance and Health Savings Account (HSA). In the event of your death, benefits would be paid according to state law and/or plan rules, which might be different from the designation you would choose. This helps ensure that your benefits will be distributed according to your wishes.

Retirement:

Fidelity:

• Log on to netbenefits.com/gw
• Click the Profile link
• Select Beneficiaries and follow the online instructions

TIAA

1. Visit TIAA’s website to register and/or log in to your account.
2. Once logged in, under the Actions tab, choose “Add/Edit beneficiaries.”
3. From there, you can designate beneficiaries and select how much each should receive.

 

HSA via PayFlex:

• Log on to payflex.com
• From the homepage, select “Account Actions”
• Click “Managing Beneficiaries”
• Review and update your beneficiary(ies) if needed

Life Insurance

• Go online to go.gwu.edu/easyenroll and log in using your unique username and password.
• Select “View Current Benefits” under “Enroll Now;” on the top left-hand side of the page.
• Current benefit elections will be displayed.

Annual check-ups aren’t just for your health.  Your financial health also requires regular care and attention to ensure that you are effectively managing debt, preparing for life events like buying your first home and meeting retirement goals.

GW Benefits  is pleased to provide the following support:

• Our biannual Retirement and Financial Wellness Fair offers a mix and match schedule of various workshops led by expert financial consultants. Come to one session, or stay for the day – there’s a workshop for everyone:
  • How to Retire from GW
  • Student Loan Repayment Strategies
  • Foundations of Investing
  • Medicare Supplemental Plans
  • And more!
• Make a 1:1 appointment with financial consultants from Fidelity and TIAA at no cost to you. Our consultants are available in-person several times a month, or by phone. Make an appointment now!
• Free webinars from Fidelity and TIAA.
• Wellbeing Hotline – Resources for Living can help offer solutions on financial, legal and identity theft issues that arise

Financial security in retirement takes planning and commitment and yes, money.

1. Start saving and keep saving

It’s never too early or too late to start saving for retirement. If you are already saving, keep going! If you aren’t, it’s time to start. Start small if you have to, increasing the amount you save each month. Visit NetBenefits to review and make changes to your current contribution rate.

2. Understand your retirement needs

Retirement is not cheap. Experts estimate that in order to maintain your standard of living when you retire, you will need at least 55 to 80% percent of your preretirement income.¹ Several factors impact this percentage, including desired retirement lifestyle, social security, expected healthcare expenses, and market volatility, among others.

Experts recommend saving 15% of your annual income each year. This amount changes based on the age you started saving.  While this may seem a lot, GW’s matching contribution for employees with 2+ years of service can help you reach this goal.

Utilize the retirement calculators on the Fidelity (www.fidelity.com ) and TIAA (www.tiaa.org ) websites to help provide a financial check-up and see if you’re on target.

https://www.fidelity.com/viewpoints/retirement/how-much-money-should-I-save

3. Learn about GW’s 403(b) and 401(a) retirement plans

You may begin making contributions to GW’s 403(b) Retirement Plan upon employment with the university. GW offers traditional (pre-tax) and Roth (post-tax) options. After completing two years of service* at GW, you will automatically be enrolled in our 401(a) Retirement Plan, to which GW will make a base contribution of 4 percent of your eligible salary. Here’s where it gets really good: If you participate in the 403(b) Retirement Plan, GW will also match 150 percent of the first 4 percent of your contributions, up to a maximum match contribution of 6 percent.  So an opportunity to receive up to 10% in base and matching contributions from GW!

*The two-year service requirement may be satisfied in whole or in part by service at another college or university. Visit www.benefits.gwu.edu/401a-retirement-plan  to learn more.

4. Consider basic investment principles

Inflation and the types of investments you make have a major effect on how much you will have saved at retirement. Learn about your plan’s investment options and ask questions along the way. Diversify your portfolio by putting your savings in different types of investments; by doing so, you are more likely to reduce risk and improve return. Over time, your investment mix may evolve depending on various factors such as age, goals and financial circumstances.

5. Contribute pre-tax or post-tax Roth to GW’s 403(b) retirement plan

Currently, you may contribute up to $18,500, per year, to the University 403(b) plan; those who are over 50 years of age may contribute an additional $6,000 for a total of $24,500.

The IRS recently announced the new retirement plan dollar limitations for the 2019 calendar year; the elective deferral limitations for the 403(b) plan will increase by $500 to $19,000, while the catch-up contribution limits for individuals aged 50 and older for the 403(b) plan will remain the same at $6,000. Be sure to visit NetBenefits to review your current deferral percentage to ensure you’re on track to meet your goal for 2019.

6. Try not to touch your retirement savings

If you withdraw from your retirement savings prematurely, you will not only lose principal and interest, but you may also lose tax benefits or face withdrawal penalties. When changing jobs, leave your savings invested in your current retirement plan or roll them over to either an IRA or your new employer’s plan.

7. Learn about your Social Security benefits

On average, Social Security retirement benefits will replace only about 40 percent of what you earned before retirement.² Estimate your benefit by using the retirement estimator on the Social Security Administration’s website: www.socialsecurity.gov.

8. Ask questions

We hope the tips in this article will get you thinking about retirement. Fidelity and TIAA both offer individual appointments to assist you with enrolling, questions related to your plan and available investments. For more information about GW retirement plans, visit https://benefits.gwu.edu/retirement.

1. https://www.fidelity.com/viewpoints/retirement/how-much-money-should-I-save
2. “Prepare For Your Financial Needs.” Retirement Planner: Learn About Social Security Programs, www.ssa.gov/planners/retire/r&m6.html .

Fidelity recently made changes to two funds available in the GW retirement plans with the goal of providing investors with additional value and simplicity.

 

On August 1^st, Fidelity reduced the expense ratios on the Fidelity 500 (FXSIX) and the Fidelity US Bond (FSITX) Index funds. GW plan participants with investments in these Index funds will see immediate savings. Fidelity will also merge assets in the different investor classes of the impacted funds. The share class changes are expected to be completed by November 2, 2018. If you have funds invested in a Fidelity Index Fund this change may appear as an exchange on your account statement in the next few months.

 

For more information see Fidelity’s FAQs. To view or change your current investment elections, log on to netbenefits.com/GW.

 

REMINDER: Retirement counseling sessions are available with both Fidelity and TIAA representatives on campus should you wish to discuss your retirement goals and fund options. Or you can contact your retirement provider or a financial advisor for more guidance. Visit https://benefits.gwu.edu/retirement-counseling for details. Further information regarding GW retirement plans can be found at benefits.gwu.edu/retirement-savings.

 

The investment options in the GW retirement plans (the George Washington University Retirement Plan for Faculty and Staff and the George Washington University Supplemental Retirement Plan) are regularly monitored by the plans’ Retirement Plan Investment Committee, with the assistance of an outside investment consultant. From time to time, the committee will make changes to the funds available through the retirement plans.

As the result of a recent review, the committee has decided to make the following changes to the retirement plans’ investment menu. Effective August 31, 2018:

• The Fidelity^® Disciplined Equity Fund – Class K will be removed from the plan’s fund lineup. All assets invested in and future contributions to the fund will be moved to the Fidelity® 500 Index Fund – Institutional Class (FXSIX), which is an existing option in the plans.
• The Fidelity^® Value Fund – Class K will be removed from the plan’s fund lineup. All assets invested in and future contributions to the fund will be moved to the Fidelity® Low-Priced Stock Fund – Class K (FLPKX), which is an existing option in the plans.

If you are currently invested in the Fidelity^® Disciplined Equity Fund – Class K or the Fidelity^® Value Fund – Class K and want your funds moved to the new funds noted above, no action is required by you. If you want to invest your funds in another investment option offered under the plans, please log in to your account at http://netbenefits.com/gw or contact Fidelity Investments at (800) 343-0860.

To learn more, please review the document, Changes to the George Washington University Retirement Plans (PDF).

Many people are staying longer in the workforce to build a large enough nest egg to be comfortable in retirement. The average retirement age has risen steadily since 1985, to almost 65 for men and 62 for women in 2015.

So how can you tell when it’s the best time for you to make the transition from the 9-to-5 to post-career life? The answer depends on your personal and financial goals, the amount you currently have saved for retirement and your confidence in how long your savings will last.

Below, we’ve provided a few other key considerations in your journey to retirement.

1. Social Security

Social Security may be a hefty portion of your retirement income, but the amount you receive can vary significantly depending on when you start taking payments. The “full” retirement age – meaning, the age at which you are eligible to retire with full retirement benefits – is currently 66. However, you may choose to take Social Security benefits early (and receive less), or wait (and receive more).

The following example, provided by TIAA (PDF), assumes a benefit of $1,000 at a full retirement age of 66:

The Social Security Administration website offers a retirement benefits estimator that provides estimates based on your actual Social Security earnings record.

 

2. Age-specific milestones

Certain tax laws and distribution requirements may affect when you choose to take retirement income. When planning for retirement, you should be aware of the following milestones:

Age 50 – As an active employee, beginning the year you turn age 50, you are eligible to make a “catch-up” contribution of $6,000* to GW’s 403(b) Retirement Plan.

Age 55 – If you participate in the GW Health Savings Plan (HSP) and have a Health Savings Account (HSA), beginning the year you turn age 55, you are eligible to contribute an additional $1,000* HSA catch-up contribution.

Age 59½ – You are eligible for in-service withdrawals from your 403(b) Retirement Plan account and from any matching contribution in your 401(a) Retirement Plan account. Withdrawals are no longer subject to an additional 10 percent early-withdrawal penalty.

Age 62 – Minimum age to begin receiving Social Security benefits at a reduced amount. You are also eligible for in-service withdrawals from any base contributions in your 401(a) Retirement Plan account.

Age 64 and 8 months – You are eligible to apply for Medicare. If you are still working for GW and covered under a GW medical plan, you do not have to enroll in Medicare until you plan to retire (PDF).

Age 66 – You are eligible to receive full Social Security (if you were born between 1943 and 1954); there is no reduction in benefits no matter how much is earned in the future.

Age 70½ – If you are no longer working for GW, you must begin taking Required Minimum Distributions (RMDs) from your 403(b) and 401(a) retirement accounts; otherwise, you will face a 50 percent federal penalty of the difference between what you actually received and the required amount.

*Figures provided are for 2018, and are subject to change.

 

3. Retirement Spending

According to the latest Bureau of Labor Statistics data (PDF), households run by someone age 65 and older spend an average of $45,756 per year (roughly $3,800 per month).

Retiree spending habits tend to differ from those of the working population. While your spending in retirement will vary as a result of numerous variables, you can start estimating your expenses.

(a) Essential expenses

These include necessities such as groceries, utilities, transportation, housing and healthcare. Healthcare is one of the potentially largest expenses in retirement. Learn how you can save for healthcare in retirement.

(b) Discretionary expenses

Included in this category are “nice-to-haves” such as travel, dining out, hobbies or purchases such as new vehicles and vacation homes.

(c) Emergency expenses

This category includes unexpected events such as a leaking roof or an unforeseen health issue. You should budget for emergency expenses as you plan for retirement; a good rule of thumb is to set aside three to six months’ worth of living expenses in your emergency fund.

 

Run your numbers. Fidelity and TIAA offer a number of financial tools to help you determine if your retirement plan is on track.

Create a plan and take action. Schedule a free appointment with a Fidelity or TIAA financial consultant to ask questions about your retirement goals and needs, as well as a range of other topics such as budgeting, debt management, investment basics and more.

• Fidelity Investments – Make an appointment online or call (800) 642-7131
• TIAA – Make an appointment online or call (866) 843-5640

Want to learn how to retire from GW? Read our Retirement Planning Guide (PDF), or attend the upcoming VSTC Retirement Education & Financial Wellness Fair.

What: A half-day event filled with retirement and financial wellness workshops and individual support from GW Benefits, Fidelity, TIAA, Via Benefits and Legal Resources.

When: Tuesday, July 17, 2018, from 10 a.m. to 3 p.m.

Where: Enterprise Hall, 1^st Floor

Brush up on your financial knowledge with the Retirement Education & Financial Wellness Fair, brought to the Virginia Science and Technology Campus (VSTC) by popular request. Enjoy a lineup of events tailored to getting your financial plan started, checking in on your savings goals throughout your career and transitioning to retirement.

• Discover why and how retirement savings should begin now
• Evaluate your current savings with a retirement checkup
• Learn how to retire from GW
• Understand the basics of claiming Social Security
• Learn the fundamentals of wills and estate planning
• And more!

Workshops. Pick and choose from a variety of workshops based on your financial goals. See the full schedule of events (PDF).

Individual support. Representatives from GW Benefits, Fidelity, TIAA, Via Benefits and Legal Resources will be on-site throughout the event and available to answer any and all of your questions.

Friends and family members are welcome. No registration is necessary for this event, but registration may be required for individual workshops (please see schedule of events).

The annual clean is a favorite rite of spring, but have you considered adding to that list: dusting off your finances? Get your financial house in order this year with these tips.

1. Keep tabs on your credit report.

Credit reports can affect your mortgage rates, credit card approvals and apartment requests, among other things. Reviewing and ensuring the accuracy of your credit reports can help you catch signs of identity theft early and save you time and money in the long run.

Federal law requires each of the three nationwide consumer credit reporting agencies – Equifax, Experian and TransUnion – to provide you with a free copy of your credit report every 12 months (if you ask for it). You can get your free credit report at annualcreditreport.com.

Tip: Instead of pulling free credit reports from all three consumer credit reporting agencies once every 12 months, try pulling a report from just one of the agencies every six months. For instance, pull a report from Equifax in January, then Experian in July, then TransUnion the following January, and so on. This way, you’re monitoring your credit report more than once a year, and doing so during the busiest shopping seasons, when identity theft is most likely to occur.

2. Limit or eliminate credit card debt.

Living with credit card debt can weigh heavily on your shoulders, but digging yourself out of it can feel financially rewarding. Experian reports that the average American has $6,354 in credit card debt. What can you do to get out of unhealthy debt?

Fidelity suggests shopping around for low-interest balance transfer offers or loans, or keeping tabs on your spending to identify spots to cut back. NerdWallet provides tips ranging from finding payment strategies to working with your creditors.

Tip: Use your tax refund wisely. While many people perceive a tax refund as “extra money” to be spent on frivolous items, consider putting your refund towards your credit card debt, student or auto loan, mortgage or emergency fund.

3. Grow your emergency fund.

Speaking of emergency funds, according to TIAA, you should plan to have enough money in your emergency fund to cover all of your necessary expenses – such as rent, food, transportation and required debt payments – for three months. Fidelity suggests that you set aside three to six months’ worth of living expenses. Check out this list of 10 ways to build an emergency fund.

4. Live within your means.

Use TIAA’s Budget Worksheet or Cash Flow Worksheet to create a realistic spending plan based on your income, expenses and savings goals. Creating a roadmap for your monthly expenses can help you identify wasteful expenditures, remain adaptable during financial situation shakeups and get closer to achieving your financial goals.

5. Contribute more to retirement.

If you aren’t prioritizing your retirement savings, you could be missing out on free money. GW’s 403(b) retirement savings plan allows you to make pre-tax or post-tax (Roth) contributions, with an annual IRS cap of $18,500 for 2018 (employees age 50 and older may contribute an additional $6,000, for a total of $24,500). If you are also enrolled in the 401(a) retirement savings plan, for which you are eligible following two years of service*, you can receive a GW matching contribution that is up to six percent of your eligible compensation if you contribute at least four percent. This match is in addition to the four percent GW base contribution.

*The two-year service requirement may be satisfied in whole or in part by service at another educational organization described in IRC Section 170(b)(1)(A)(ii) or 511(a)(2)(B), or with a college or university located outside the United States with accreditation or similar designation from the country where it is located. If applicable, please complete the 401(a) Prior Employment Verification Form.

6. Update your will.

It is advisable to review your will at least once a year to ensure that it is aligned with your current situation, assets and wishes. You should also check your will following major life changes, including the death or birth of an heir, purchase or sale of real estate, significant shifts in your financial situation, changes to the tax code and so on. Remember, if you are enrolled in the GW group legal program through Legal Resources, will preparation, review and updates are services that are covered at 100 percent. If you are not enrolled in the legal plan, you can receive discounted legal services through GW’s Wellbeing Hotline – Resources for Living (attorney must be selected from within the Resources for Living Network).

7. Schedule a one-on-one with a financial consultant.

Part of being financially savvy involves taking advantage of free resources at your fingertips. As a GW employee, you have access to complimentary individual counseling sessions with Fidelity and TIAA financial consultants. You can even schedule the in-person consultation on campus, if you prefer.

Topics that can be discussed during a personal appointment with a TIAA or Fidelity financial consultant include:

• GW’s retirement benefits program
• Opening a retirement account
• Allocating investments
• Retirement planning
• Consolidating retirement accounts
• Other ways to invest and save
• Transitioning to retirement
• Navigating your retirement account
• Estate planning
• Available workshops/webinars
• College planning
• And more!

Schedule Your Appointment

• Fidelity: Make an appointment online or call (800) 642-7131
• TIAA: Make an appointment online or call (866) 843-5640

 

Bonus Tip

TIAA* and Fidelity provide free live webinars each month, with topics ranging from investing to saving for college to preparing for retirement. See the full schedule of upcoming webinars, and be sure to tune in!

*TIAA participants can log into the TIAA webinar portal with their existing TIAA.org User ID and password; non-participants will need to register for guest access.

 

Tackling your finances and getting them under control can leave you feeling rejuvenated and confident about your financial health and future. Take this opportunity to spring clean your financial goals and set yourself up for success. You are the ultimate steward of your finances.