October 12th – October 16th
FINANCIAL INDEPENDENCE
“A big part of financial freedom is having your heart and mind free from worry about the what ifs of life”
Suze Orman
Imagine the possibilities that saving can create—whether it’s paying down debt, building an emergency fund, or investing in your future. Taking small steps today can help strengthen your financial well-being and create 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.
COMPLETE THE INSURANCE CROSSWORD PUZZLE AND WELLNESS WORD SEARCH
Check out this year’s Wellness Lingo Crossword Puzzle and our Wellness Word Search.
Remember to put your names on the pages and send completed forms 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.
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.
2026 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 2026 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
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.