Financial Wellness 360™

Comprehensive, flexible solutions to help reduce financial stress

Securian’s Financial Wellness 360 program inspires, educates and encourages employees to make lasting financial behavior changes. A financially-well workforce can lead to less stress, higher employee retention and reduced health care costs.

The need for financial wellness is clear

Finances are the number one source of daily stress for U.S. adults, and more than half of American households do not have a long-term financial plan. 3

 Financial stress distracts employees and can hurt the bottom line. Distraction, driven by financial distress, lowers productivity, increases turnover and affects employee health.

3

A financial wellness program that inspires lasting change

Financial Wellness 360 is comprised of three solutions to help reduce financial stress: SmartDollar®, Lifestyle Benefits and Retirement Readiness Tools and Education.

SmartDollar

Guided online financial wellness program

SmartDollar4 is an immersive online program that takes a holistic approach to financial wellness, helping produce lasting behavior change. The average SmartDollar user pays off $9,405 in debt and saves $6,127 in the first year.5 Acting as an online personal financial coach, SmartDollar meets users where they are and helps them from the day they start the program all the way through their retirement.

With over 25 years of experience in the financial wellness space, more than 2 million people have taken control of their finances with SmartDollar.5 Program benefits include:

  • Turn-key program with dedicated marketing support
  • End-to-end reporting metrics

Lifestyle Benefits

One-on-one counseling

Lifestyle Benefits is a suite of resources that help employees address today’s financial challenges and plan for tomorrow. Available online and by phone 24/7/365, employees can talk with councilors or access tools as they’re needed. Services include:

  • Confidential financial advice and support6
  • Financial assessments, articles and tips6
  • Will preparation guidance6
  • Legal and grief counseling to help with the impacts of significant life events4

Retirement readiness tools and education

Self-service tools and resources

Employees can take advantage of self-service, interactive tools and resources to help on every step of their retirement journey.

  • Age-based tools and calculators offer relevant information to employees at any stage of life
  • Employees have access to the Retirement Income Projection Tool to get into the "Target Zone"
  • Engaging annual campaigns and videos offer education and insights when employees need it the most

Distracted at home, unfocused at work

78%

of full-time workers said they live paycheck to paycheck.1

10%

of those making $100,000 or more say they can’t make ends meet.1

44%

of Americans can’t cover a $400 emergency.2

Next steps

Team up with us and learn about Securian Financial’s retirement and financial wellness solutions. Find a financial advisor or contact a retirement wholesaler.

1. Dickler, Jessica, “Most Americans Live Paycheck to Paycheck.” CNBC, August 30, 2017.

2. “Federal Reserve Board Issues Report on the Economic Well-Being of U.S. Households.” Board of Governors of the Federal Reserve System, May 2017. 

3. PWC, Employee Financial Wellness Survey, 2017.

4. Services are offered by Ramsey Solutions and are not affiliated with Securian. Certain terms, conditions, and restrictions may apply when utilizing the services.

5. “SmartDollar. A Smart Solution for Your Money.” SmartDollar, 2017 

6. Services are offered by Lifeworks US, Inc. and are not affiliated with Securian and may be discontinued at any time. Certain terms, conditions and restrictions may apply when utilizing the services.

SmartDollar and Lifestyle Benefits are provided by third party service providers. All such services and products are the sole responsibility of the service provider. The services are not affiliated with Securian or its group contracts and may be discontinued at any time. Certain terms, conditions, and restrictions may apply when utilizing the services.

DOFU 7-2018
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