Built to Thrive

Financial wellness isn’t just about numbers on a spreadsheet — it’s about confidence, stability, and the freedom to build the life you want. When employees feel secure in their financial future, they’re more focused, more engaged, and better equipped to thrive both at work and at home.

One of the most powerful tools available to support that journey is your organization’s 401(k) plan. Whether you’re just getting started or looking to strengthen your long-term strategy, your 401(k) is designed to help you build a future that’s not only stable but thriving.

Why Financial Wellness Matters

Financial stress is one of the most common challenges employees face. It can affect everything from day to day decision making to long term planning. Building financial wellness means:

• Feeling confident about your financial decisions

• Reducing stress and uncertainty

• Preparing for life’s unexpected moments

• Creating a long term plan that supports your goals

Your 401(k) is a cornerstone of that plan — a benefit built to help you grow your savings over time with the support of your employer.

Your 401(k): A Benefit Built for Your Future

Your organization’s 401(k) plan is more than a retirement account. It’s a partnership between you and your employer to help you build long term financial security. Key advantages include:

1. Tax Advantaged Savings

Contributions to your 401(k) can reduce your taxable income today, and your investments grow tax deferred over time.

2. Employer Contributions

Employees who have attained age 19 will automatically be enrolled in the Wittenbach 401(k) Retirement Plan at a 6% contribution level, unless a different percentage is specified on the enrollment form. Wittenbach’s current matching contribution is $.20 for each $1.00 an employee contributes, up to a maximum of 6%. Contributing enough to receive the full match is one of the smartest financial moves you can make.

3. Automatic, Consistent Saving

Your contributions come straight from your paycheck, making it easier to stay on track without having to think about it.

4. Long Term Growth Potential

With compound interest, even small contributions can grow significantly over time.

Steps You Can Take to Thrive Financially

Building financial wellness is a journey, and your 401(k) is a powerful place to start. Consider:

• Reviewing your contribution rate to ensure you’re maximizing employer match opportunities

• Exploring your investment options to align with your goals and comfort level

• Using available planning tools to estimate your future retirement needs

• Checking in annually to adjust your strategy as your life and goals evolve

Small steps today can create big impact tomorrow.

You’re Built to Thrive — And We’re Here to Support You

Your financial future is one of the most important investments you’ll ever make. By taking advantage of your 401(k) benefits and building strong financial habits, you’re setting yourself up not just to get by, but to thrive. For more information on your 401(k), check out this page: https://wittenbachbenefits.ibpllc.com/my-benefits/401k-savings/