• Pensions
• Payroll savings programs
• Insurance, including life, health, and disability
• Savings and investment programs
• Stock purchase programs
• Tax planning
• Help with adjusting your savings after a pay raise.

A workplace adviser may be able to link you with opportunities in the company that fit your personal goals, needs, and interests.

Why might I need more help?

If you’re like many people, your financial needs go beyond what a workplace adviser handles. For example, you may want advice about:

• Setting clear goals for the future
  
• Creating a budget that helps you live within your means
  
• Paying down debt
• Finding ways to save money to invest
• Taking care of your insurance needs in order to protect your family and property
• Buying a home or paying off a mortgage
• Putting a plan in place to save for your kids’ education
• Planning for retirement
• Estate planning to take care of your last wishes and avoid unnecessary taxes after you die.

Also, to create and carry out a long-term financial plan, you would likely need a full-service adviser who can introduce you to a wider range of products than you can get at work.

Remember: A workplace adviser can be a good place to start.

In most cases, they will not be able to help you with all your financial needs.