What we offer

Free Financial Consultations at your district

Whether your employees are just getting started on their financial journey, have specific questions, or would like a quick check-in, our Member Benefit Consultants can help answer questions and offer general financial guidance.

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Employee financial wellness starts with the employer and benefits everyone

Engagement in workplace retirement plans is fundamental to employees’ retirement readiness. When saving for the future, how prepared are your employees?

Member Benefits can help you explore the role school districts have in preparing their employees for retirement. Here are some of the topics we can help you address:

  • Why having financially healthy employees saves school districts money.
  • Why your employees aren’t saving and what you need to know to help them become financially healthy.
  • The importance of financially healthy employees and the need for workplace financial wellness programs.
  • A checklist every 403(b) plan should have.
  • Future trends in school district 403(b) plans.
  • Effective ways to encourage retirement savings at no additional cost to the district.

Building a successful financial wellness program in your district with the help of WEA Member Benefits

We can help you build a successful financial wellness plan in your district by offering tailored communications and services to your employees.

Together with your Worksite Benefit Consultant, our staff at WEA Member Benefits will work with you to devise a worksite benefit program with resources, services, and financial education tailored to your employees’ needs. To optimize this opportunity, here are some options to consider:

How do you prefer to communicate with your staff about your wellness program?

  • Website content.
  • Email communications.
  • Articles and announcements.
  • Printed flyers, poster, brochures, etc.

How and where will Member Benefits access staff?

  • Onsite access for personal consultations.
  • Before or after school.
  • Special group event (wellness/benefits fair).
  • Staff meetings.

Whether your employees are just getting started on their financial journey, have specific questions, or would like a quick check-in, our Member Benefits Consultants can help answer questions and offer general financial guidance by providing consultations at your district.

Some topics of discussion may include:

  • Why start a 403(b) or IRA savings account?
  • How to enroll in a 403(b) or IRA savings account.
  • Wisconsin Retirement Savings basics.
  • Retirement savings strategies: Pre-tax vs. Roth, 403(b) vs. IRA.
  • Review existing WEA Member Benefits account(s).
  • Assist you with an account you want to move to us.
  • Tips for purchasing home and auto insurance.

Individual consultations are generally up to 30 minutes long.

If you are interested in scheduling a day of consultations for your employees, call us at 1-800-279-4030.

Financial education for your employees

Adding a financial wellness program into your workplace professional development plan can help your employees understand key financial topics and make sound financial decisions. One way Member Benefits can help your district create a winning financial wellness program is by providing free financial seminars geared specifically toward Wisconsin public school employees.

Seminars are typically about an hour in length and designed to accommodate in-service, early release, and faculty meetings as well as after-hour meeting venues. Crash courses are 30-minute sessions for when time is limited.

All financial wellness seminars are offered onsite and free-of-charge.


Crash courses (30 minutes) ⇓


Seminar options (1 hour)

7 Mistakes Members Make With Their Money Don’t Be Jack™
Budgeting and Saving Basics Financial Moves to Make Before You’re 30
Get on Track to Financial Security Insurance Basics
Investment Basics Preparing for Retirement
Retirement Planning Student Loan Repayment and Federal Student Loan Forgiveness Programs
Wisconsin Retirement System (WRS) Understanding Benefits and Deciphering Your Paycheck
Understanding Long-Term Care Insurance

7 Mistakes Members Make With Their Money

Making wise financial choices early in your career can have a significant impact on your future financial security and give you peace of mind. This seminar will help you understand the benefits and consequences of important financial decisions. You will:

  • Find out how to avoid the seven most common financial mistakes.
  • Learn how having a written budget can give you permission to spend.
  • Recognize the value of employee benefits and how to use them.
  • Find out the advantages of different savings options.
  • Learn how paying yourself first can improve your financial future
  • Discover resources available to help you make sound financial decisions

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Don’t Be Jack™

This EIFLE award-winning, fun and interactive board game was created with specific adult learning objectives in mind. There are four categories of cards that cover a broad array of financial topics that specifically address the unique financial needs of public school employees:
Knowledge: Financial seminars, terms, resources, benefits.
Saving: Retirement, emergency funds, kids’ college, large expenses.
Planning: Budgeting, proper insurance coverage, preparing for large purchases.
Spending: Fees, credit cards, flex spending accounts.

Don’t Be Jack brings to life real financial principles by stressing the importance of spending less than you earn, having a written budget, having an emergency fund, saving for the future, understanding insurance, understanding your benefits, and being aware of fees. Don’t Be Jack serves several purposes:

  1. Provides an value-added service to districts to engage employees.
  2. Offers a fun way for employees to socialize and learn about financial issues that impact them and their families.
  3. Promotes employee benefits offered by the district and encourages participation.
  4. Provides participants with a personalized to-do list and a 30-day reminder.

>> More about the Don’t Be Jack financial learning game

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Budgeting and Saving Basics

Having a budget is a key component of any financial plan. You can’t have a plan without a clear understanding of what money is coming in, what is going out, and where it is going. Developing a budget can empower you to take control of your finances. We discuss:

  • The benefits of a written budget and how to create one.
  • How to evaluate your income and read your pay stub.
  • How to categorize and reduce your expenses.
  • How to avoid common financial mistakes.
  • The importance of paying yourself first and how it can improve your financial future.
  • The value of employee benefits and how to use them.
  • Tips for managing debt.
  • How saving for the future is possible—and necessary.

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Financial Moves to Make Before You’re 30

Eighty percent of life’s most defining moments happen before you’re 35. Seventy percent of wage growth happens in the first 10 years of a career. How will you make the most of your young career years? In this session we talk about:

  • How to manage money like you mean it.
  • Reducing debt and building credit.
  • Securing your lifestyle.
  • Why you need an emergency fund.
  • Why saving for your future should start today.

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Get on Track to Financial Security

This seminar is designed to teach employees of all ages the basics of investing and retirement planning. In this session we provide information about how to achieve long-term financial goals. You will also:

  • Determine your retirement income needs.
  • Learn what retirement income sources are available to you.
  • Learn the importance of reducing product fees and tips about how to make your money work harder for you.
  • Learn about the advantages of different savings options (Roth IRA, Traditional IRA, TSA, or 403(b), and deferred compensation.
  • Learn how to properly diversify your investment dollars.

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Insurance Basics

Being properly insured plays an essential role in protecting your financial security, yet many people do not have a clear understanding about their auto and homeowners insurance coverage. For instance, it’s estimated that two-thirds of homeowners nationwide do not have enough homeowners insurance coverage to replace their home in the event of a total loss. We can:

  • Discuss the types of coverage you should be looking for.
  • Explain any law changes and what you need to be aware of.
  • Provide you with the questions you should ask when shopping for insurance.
  • Help you determine the best coverage for your situation.

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Investment Basics

Learning the basics of investing is the first step to building an investment strategy. Many never get past this first step because they don’t have the time or are afraid it’s too complicated. If this describes you, this is your chance. Whether you are just starting out or have been investing and want to know more, this one-hour seminar will be a good investment of your time.

You will learn:

  • About the different asset classes and the role each plays in an investment portfolio.
  • How history lessons can help you with long-term investment strategies.
  • The importance of diversifying your investments.
  • About your risk tolerance.
  • How to avoid common investment mistakes.
  • How fees impact your investment returns.

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Preparing for Retirement  *popular seminar

This comprehensive session is recommended for employees within 5-10 years of retirement and covers the different retirement planning solutions available and the implications of the decisions employees make as they approach retirement. The session covers:

  • The sources of retirement income available to public school employees including the Wisconsin Retirement System (WRS), Social Security, and personal savings.
  • The various annuity options available from the Wisconsin Retirement System.
  • Retirement timeline (including eligibility dates and requirements for WRS withdrawals, health insurance, etc.
  • Personal savings withdrawal issues and tax implications.
  • Common roadblocks to successful retirement planning.
  • A pre-retirement checklist of important things to consider.
  • Tools and solutions to help employees reach their retirement goals.

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Retirement Planning

Wisconsin public school employees approaching retirement typically have questions about what they need to do to prepare. This information is appropriate for those within 10+ years of retirement and will provide:

  • An overview of the sources of retirement income available to public school employees, including the Wisconsin Retirement System, Social Security, and personal savings.
  • Information on how to determine your retirement income needs.
  • An understanding of common roadblocks to successful retirement planning.
  • A pre-retirement checklist of important things to consider.
  • Tools and solutions for achieving retirement goals.

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Student Loans and the Federal Student Loan Forgiveness Program

For many educators, student loans are a major part of the financial picture long after graduation. In this session, we uncover things an educator needs to know about student loans, student debt, the federal student loan forgiveness program, and more. We addresses frequently asked questions about student loans including:

  • The different types of education loans.
  • Federal versus private loans.
  • Benefits and drawbacks of loan consolidation, repayment, and special circumstances.
  • The basics of the Federal Teacher Loan Forgiveness program, qualifications, and how to apply.
  • Tips and checklists for applying for loan forgiveness.
  • Student loan terms, and more.

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Wisconsin Retirement System (WRS): Your State Pension Plan

WRS, the state pension plan, will be a source of retirement income for most Wisconsin public school employees. Understanding this benefit will help educators better plan for their future. Learn to:

  • Read/interpret your pension statement.
  • Calculate your WRS pension benefit.
  • Choose an appropriate annuity option.
  • Purchase forfeited service.
  • Determine whether you will have a retirement income gap.

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Understanding Benefits and Deciphering Your Paycheck

This session is designed to help young employees take a deeper look at their paychecks, understand under-utilized employee benefits, etc. We will examine and help interpret:

  • Your paycheck and explain withholdings.
  • Benefits you might have available to you and how to take advantage of them.
  • Introduction to the Wisconsin Retirement System (WRS) pension benefit.

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Understanding Long-Term Care Insurance

Long-term care has been called “the greatest uninsured financial risk today.”  This seminar will answer questions about this important coverage, including:

  • What long-term care insurance is and what it covers.
  • Why neither health insurance nor Medicare pays for extended personal care.
  • How much LTC costs – at home, in assisted living, and in nursing facilities.
  • Your options to personalize a policy and tailor it to fit your budget

Spouses and significant others are welcome.

Long-term care insurance products are underwritten by multiple LTC insurers. Program administered by LTCi Marketing Administrators, (LiMA).

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Crash Courses

Offer these 30-minute “crash courses” when time is limited or when employees are looking for quick information on specific topics. Typically a workshop-style session, crash courses include:

How to Read and Verify Your Wisconsin Retirement System (WRS) Statement

How to Calculate Your Wisconsin Retirement System (WRS) Pension Benefit

How to Read Your Paycheck and Understand Employee Benefits

Saving for Your Future: Why Saving Early and Often is Important

How to Read and Verify Your Wisconsin Retirement System (WRS) Statement

Many Wisconsin public school employees know very little about their WRS pension. You’ll learn how to read, understand and verify the important information on your annual pension statement from the Department of Employee Trust Funds (ETF), the entity that administers the WRS pension. We will discuss:

  • The difference between “defined benefit” and defined contribution plan.
  • Years of creditable service and vesting requirement.
  • Required contributions.
  • The difference between the Core and Variable funds.
  • The difference between the Formula and Money purchase calculations.
  • How to check your earnings record and get an estimate of your retirement benefit projection.
  • Misconceptions about Box 10 on your statement.

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How to Calculate Your Wisconsin Retirement System (WRS) Pension Benefit

This course is helpful to those who are close to retirement. We will walk employees through the WRS pension benefit calculator, how to do a calculation on their own, and how to request an official pension benefit statement from the Department of Employee Trust Funds.

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How to Read Your Paycheck and Understand Employee Benefits

This session is designed to help employees take a deeper look at their paychecks, understand under-utilized employee benefits, etc. We will examine and help interpret important terms on their paychecks including:

  • Employer benefits and contributions.
  • WRS contribution amounts.
  • Withholdings.
  • FICA, Social Security, and others.

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Saving for Your Future: Why Saving Early and Often is Important

Most Wisconsin public school employees can expect their retirement income to come from three sources: WRS, Social Security, and personal savings. Even though your pension benefit provides an excellent head start, today’s employees need to consider personal savings to fill their retirement savings gap. We cover:

  • Why you need more that WRS and Social Security to cover your retirement savings gap.
  • The importance of personal savings.
  • The difference between a 403(b) and and IRA.
  • Pretax versus Roth savings options.
  • Investment choices, fees, contribution limits, and more.

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Trust Advantage™ provides districts with an opportunity to enhance their employee benefits without impacting their bottom line. Trust Advantage offers public school employees access to tools and resources to help them become financially secure.

Trust Advantage is a voluntary benefit program that offers:

  • Additional benefits for staff, including administrators, custodians, and support staff, with no impact on the district’s benefits budget.
  • Financial education tailored to Wisconsin public school employees.
  • The convenience and affordability of purchasing personal insurance and savings products using payroll deduction.
  • Access for family members to most Member Benefits programs.
  • Personal consultations and unbiased assistance to help employees become financially secure.
  • Communication tailored to individual school districts that encourages participation in existing individual benefit programs.