Highlights of Two Workshops on Financial Capability in the Workplace
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1 Highlights of Two Workshops on Financial Capability in the Workplace Lucy Gorham October 22, 2014 Promoting Financial Capability in NC: Report from the Assets Learning Conference Supported by JP Morgan Chase
2 Note on Use and Reproduction The slides below were provided through the generosity of the Stand By Me program in Delaware and Neighborhood Trust Financial Partners in New York City, NY. The information is provided for educational purposes only and cannot be further reproduced or distributed without first obtaining the permission of these groups. Contact information is provided at the end of the document for further inquiries. Thank you for respecting the ownership of these materials on behalf of our program partners. 2
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4 Asset Development: Home ownership, Education, Retirement, Business Development Stock Market MONEY, LIFE, AND WELL-BEING Emergency Savings and Access to Credit Financial Position: Pay down debt, Increase credit score, access to mainstream financial services. Physical Mobility: vehicle ownership, insurance, and maintenance. Living expenses: Housing, Food, Utilities, Healthcare $tand By Me s Hierarchy of Economic Security
5 FINANCIAL EMPOWERMENT SERVICE PACKAGE: An Employee Benefit Program Goal: Increase personal economic security. Personal Financial Coaching: Budgeting, debt, financial goal setting, savings, and personal money management. Work one-on-one with a personal financial coach. Mind Over Money Workshops: Four 1-hour interactive workshops where participants have fun while they learn about money. Even the most financially savvy money manager will be surprised about the insights and ideas they come up with during these sessions. Financial Services: Work with credit unions and non-profits to develop and increase access to consumer-friendly savings, loan, and transaction products. Post Secondary Education Services: Financial planning for post-secondary, FAFSA applications, managing student loan debt. Community Referrals: Debt consolidation, foreclosure assistance, free tax preparation, matched savings programs, home ownership counseling. Copyright Delaware Financial Empowerment Partnership. All Rights Reserved.
6 FINANCIAL WELLNESS IN THE WORKPLACE: The FinFit Challenge You and your employees can win Points and Prizes for participating in $tand By Me and working on your financial well-being. When everyone reaches 300, the entire team will be provided with a lunch event. Points will be earned according to the following: ACTION POINTS Program Orientation (1x) 25 Workshop Attendance (1x) 25 Personal Financial Coaching Session 50 Review Credit Report (1x) 25 Open NEW savings account 50 Set-up Auto Savings Deposit 25 Increased Credit Score 25 Incentive levels are as follows: Utilized Credit Builder product POINTS = $10 Cash EITC / Tax Prep Services POINTS = $25 Gift Card Complete FAFSA Aid Application POINTS = $50 Certificate of Deposit (CD) Establish a budget 25 Establish a long term financial goal 25 Meet with the coach 3 times 50 Refer a friend or family member 25 Copyright Delaware Finan cial Empowerment Partnership. All Rights Reserved. Slide 6.
7 NEW CASTLE COUNTY KENT COUNTY SUSSEX COUNTY Lead Partner: West End Neighborhood House Lead Partner: NCALL Research, Inc. Lead Partner: Goodwill of Delaware and Delaware Co. ShopRite Supermarkets Dover Downs Nanticoke Hospital Christiana Hilton Delaware State Housing Authority Beebe Hospital DE Dept. of Health and Social Services DE Dept. of Health and Social Services DE Dept. of Health and Social Services Westside Health Center (community health services) (18) Dover Air Force Base Allen Farms (new) Wilmington University Wilmington University M&T Bank (7) Child Care Centers and Head Start Child Care Centers and Head Start Partner: Telamon Head Start programs Christiana Care Health Systems Child Care Centers DE Office of Higher Ed/ High Schools/School Districts DE Office of Higher Ed/ High Schools/School Districts Copyright Delaware Financial Empowerment Partnership. All Rights Reserved. DE Office of Higher Ed/ High Schools/School Districts Del Tech, Wilmington & Stanton Del Tech, Terry Del Tech Owens Partner: Latin American Community Center Hispanic immigrants and residents Partner: Wilmington Senior Center population DE Dept of Agriculture
8 What do YOU have in common with a MILLIONAIRE? Both of you can have your own Personal Financial Coach to help you work on your financial goals AND get answers to your financial puzzles!
9 COMING SOON! TO DHSS, FREE OF CHARGE TO ALL EMPLOYEES and their FAMILIES! One-on-One Financial Coaching to help you take charge of your finances.
10 HOW DOES IT WORK? Convenient! You can get a private appointment to meet with a coach at your workplace. Personal: Your coach can help you with any money matter you may have. Make Ends Meet! Learn budgeting strategies to stretch your pay checks from one end of the month to the next. without running out in between!
11 WHY BOTHER? Peace of Mind: Reduce your financial stress and sleep better at night. Avoid Emergencies: Put together a plan to help you cover unexpected expenses. Get What you Want! Buy a car, home, education, create an emergency fund. Why not YOU? Improve your Credit: Understand your credit score and how credit works. Get the help you need to improve your credit.
12 WHAT S THE CATCH? NO Catch! NO HR involvement, NO Busy Bodies in your business! This program is completely separate from HR and the Management Team at DHSS. The Coach reports to the non-profit team under the Stand By Me Umbrella. Coaching sessions are strictly confidential, provided by a Financial Coach by appointment only, at your worksite.
13 OTHER SERVICES Personal help with applications for college and financial aid: For you and your family members. Apply for Public Benefits: Need help with bills? You may be eligible for help with childcare, Medicaid, or food stamps. We can help you find out and apply on the spot! Financial Services: We partner with financial institutions who offer loans, savings accounts, and other consumer-friendly financial services to meet your needs. Referrals for other services: If we can t help you, we will find someone who can.
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15 $tand By Me Services Provided to the people of Delaware Service Provided Total in 38 months Personal Financial Coaching Mind Over Money Interactive workshops (first 12 months) (second 12 months) FAFSA Applications Free Self-Help Tax Preparation Total ,628 Copyright Delaware Financial Empowerment Partnership. All Rights Reserved. Slide 15.
16 CUSTOMER OUTCOMES Number of Coaching customers Number of coaching sessions Total debt reduction Total increased Savings Average Credit score increase Affordable banking $1,193,662 $472, points 174 accessed consumer friendly pay day loan alternatives Number of customers who Created Spending Plan for monthly on time payments and other goals Copyright Delaware Financial Empowerment Partnership. All Rights Reserved. Slide 16.
17 Financial Coaching Process 1. Establish Financial Goal and 2. Develop an Action Plan to Achieve Goals 4203 clients set 6316 financial goals working with their coach (reflects multiple goals by some clients) Customer sense of financial stress and control: 5,774 specific goals were achieved 83% report being constantly to somewhat worried about their finances. 76% report having little to no control over their finances. Coaching Outcomes: TARGET: Credit and debt position improved o RESULT: 79% of coaching customers are working on their credit and debt through debt repayment plans, correcting credit reports, and increased credit scores TARGET: Financial skills and personal money management improved o RESULT: 64% of coaching customers have improved personal money management by creating a household budget (spending plan), adding savings to their budget plan, establishing emergency savings, and opening credit building accounts. Copyright Delaware Financial Empowerment Partnership. All Rights Reserved. Slide 17.
18 Financial Capability Innovation Fund II + 18
19 What is PayGoal? Our Vision: A Financial Action Plan, a productive banking relationship, and automated payroll allocation all starts at work.
20 How Does it Work? Enrollment Calculate optimal PayGoal algorithmically Provision appropriate banking product Implement Split Direct Deposit Messaging & Communications Reinforce positive behaviors Continue dialogue using relevant content & data Alternate Pay Stub
21 What Does Pilot Success Look Like? 21
22 Evaluation Participants understand engagement with the product, track outcomes, evaluate behavioral hypotheses Employers explore benefits and perceptions Photo Credit: Al Pritchard, Mapping out the Process. 22
23 For More Information: Mary Dupont, Director of Financial Empowerment State of Delaware, DE Dept. of Health and Social Services
24 Neighborhood Trust Financial Partners/PayGoal For More information: Eric Cantor VP Product Development x 215
Mary Dupont, Director of Financial Empowerment State of Delaware, DE Dept. of Health and Social Services mary.dupont@state.de.
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Mary Dupont, Director of Financial Empowerment State of Delaware, DE Dept. of Health and Social Services mary.dupont@state.de.
Mary Dupont, Director of Financial Empowerment State of Delaware, DE Dept. of Health and Social Services mary.dupont@state.de.us 302-255-9245 http://www.youtube.com/watch?v=jrktcvurow8 www.standbymede.org
A joint project of the Delaware Office of Financial Empowerment and United Way of Delaware
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A joint project of the Delaware Office of Financial Empowerment and United Way of Delaware
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