October 13th – October 17th
FINANCIAL INDEPENDENCE
Imagine the possibilities that saving can bring – whether it’s paying off debts, starting an emergency fund, or investing in your future. Take hold of this opportunity to empower yourself financially and pave the way for a brighter tomorrow.
VOYA’S BUDGET CALCULATOR
This simple rule suggests:
- 50% for Needs: Essentials like housing, groceries, utilities, and debt payments.
- 30% for Wants: Non-essentials like entertainment, dining out, and clothing.
- 20% for Savings: Future goals like an emergency fund, retirement, or vacations.
Use Voya’s Budget Calculator HERE and send proof to hr@kurtz-bros.com (or tell your manager!) so you get credit for a BWELL square!
COMPLETE THE INSURANCE CROSSWORD PUZZLE AND WELLNESS WORD SEARCH
Check out this year’s Insurance Lingo Crossword Puzzle and our Wellness Word Search.
Remember to put your names on the pages and send the items to hr@kurtz-bros.com, or pass off to your manager to do so, for proof of completion.
VISIT/ REGISTER FOR VOYA, MAKE A FINANCIAL ADVISOR/ESTATE PLANNING MEETING
Schedule your financial meetings to stay on track for the future—it counts as a BWELL square too!
Without an estate plan, settling your affairs becomes harder for your survivors. UMR offers a Will Prep Program—click HERE for more information.
It’s crucial to be prepared, including naming beneficiaries. Check out the LINK for more information.
2025 VOYA FINANCIAL WELLNESS CALENDAR
Check out the Voya Financial Wellness Calendar!
October is National Retirement Security Month It’s a great time to check in with your retirement savings, revisit your goals, and make changes to ensure you are
on track to retire well. VoyaNRSM.com
Manage your health costs now and in the future with a tax advantaged health savings account (HSA). Discover the article series on how you can use it for spending, saving and investing.
October is also Cybersecurity Awareness Month. Learn about cybersecurity measures
you can take to protect yourself and your Voya assets.
ROAD TO RETIREMENT READINESS
Learn how to pursue financial security with savings strategies tailored to your age and life stage. View the checklist below to see what you should consider in your 20s, 30s, 40s, 50s, and 60s, helping you balance short-term goals with long-term financial planning.
Prefer to watch a webinar? Watch the 2025 Webinars On Demand here: https://www.oswaldfinancial.com/coachingcorner/
OSWALD MONEY COACHES
You have goals, dreams, and a vision for how you want to live in retirement, all of which require exceptional money management. Have confidence. Oswald’s money coaches are on your team! Money coaches are available to our employees as part of our 401k services. They can help you with goals beyond saving for retirement. Take advantage of this amazing perk today!
FINANCIAL WELLNESS ASSISTANCE:
Take a Financial Wellness Assessment HERE
Assistance with setting up your Voya account
2025 OSWALD 401k 1:1 MEETINGS OR TEAM MEETING
OSWALD is excited to connect with you or virtually to provide personalized guidance for your 401k account. Their team will review your account, discuss investment options, and offer valuable insights on the market and potential moves for your funds. Don’t miss out on this opportunity to optimize your financial future – click the link below to secure your spot for a 1:1 Virtual meeting:
www.signupgenius.com/go/60B084AABA72BA7F85-59172187-kurtz
You are also welcome to join OSWALD for a team Zoom session to explore savings strategies designed to fit your age, life stage, and long-term financial goals. Be sure to check out the prep guide below for both!
Register for the PNC WorkPlace Banking Working Shop with Johnathan Williams, Financial Wellness Advocate. Johnathan works directly with employees to educate and engage them on the financial wellness benefits being offered and to provide individualized guidance based on where each employee is at on their financial wellness journey.
Tuesday, October 14th at 8:30AM : https://event.on24.com/wcc/r/5112767/3160740AD5EFBAB2EAB44F18484ED887
Wednesday, October 15th at 12PM : https://event.on24.com/wcc/r/5112770/217A5599C02FD900A021FC257DFBCD4B
Friday, October 17th at 3PM : https://event.on24.com/wcc/r/5112772/E5A23AF154A7EBDC2C93629F55DA550B
All participants for ANY FINANCIAL WELLNESS WEBINAR will be put into the TIER 2 drawing!
In Week 2, we focus on financial well-being, which goes beyond just numbers in your bank account. According to the U.S. Consumer Financial Protection Bureau, financial wellness is about feeling secure and confident in managing your finances, meeting your needs, and planning for the future.
It means being equipped to handle expenses, manage emergencies, pay off debts, and work toward long-term goals. With thoughtful planning and smart money management, we can all achieve financial peace and turn our dreams into reality.
“A big part of financial freedom is having your heart and mind free from worry about the what ifs of life”
Suze Orman