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Financial Wellness Program

Financial Wellness Program Details

Eligible Participants:

  • All employees, executives, owners, partners, and board members of the company.

Program Overview:

  • Gain access to Financial Consultants to discuss your financial position and uncover areas of concern.
  • We provide individual and customized financial advice, discuss the psychological impact financial stress can have, and make recommendations to alleviate or reduce financial stress to help improve your financial well-being.


  • No fee is paid to our firm to utilize the services outlined in the process section below.
  • Instead of charging a program fee, we ask that you donate to one of the charities we support. These organizations always appreciate any size donation. You can find a list of charities and links to their websites at


    • Schedule a call to have an initial discussion with your dedicated Financial Consultant or skip this step and fill out the Financial Wellness Kit using the link below.

    • Fill out the Financial Wellness Kit.
      • This kit consists of mostly yes, no, and not sure answers, so most people complete it in approximately 15 minutes.

  • Schedule a call, in-person, or video meeting to discuss the Financial Wellness Kit.

Potential Next Steps:

  • Address your areas of concern and optimize your financial situation on your own.
  • Hire our firm to provide specific advice to address your areas of concern and optimize your financial
  • Do nothing and hope for the best.

Financial Wellness Program Details – Printable PDF

Company Benefits

Implementing an effective Financial Wellness Program can potentially help reduce employee stress, help reduce absenteeism, and make employees more productive. All of this can potentially save your company a lot of money in lost productivity annually.

We will handle the heavy lifting of establishing and maintaining your Financial Wellness Program. We will assess the different employee demographics within your company and use that assessment to promote awareness and engagement in the Financial Wellness Program. We will periodically measure employee engagement to track the program’s effectiveness, so you have confidence that your employees are receiving the competent advice they need.

We look forward to getting to know you and customizing a Financial Wellness Program appropriate for your company.

Other Corporate Services

Our Team’s Role

Steffens & Steffens, LLC / Commonwealth Financial Network

Our team at Steffens & Steffens, LLC will be your direct contact. In addition to our experienced Financial Consultants, our support team at Commonwealth also consists of specialists who assist us in providing customized advice and recommendations.

Commonwealth's team is well-rounded and consists of professionals and specialists who have specific expertise. Members of the team have earned designations such as:

  • AIF Accredited Investment Fiduciary
  • CAIA Chartered Alternative Investment Analyst
  • CAP Certified Advisor in Philanthropy
  • CFA Chartered Financial Analyst
  • CFP Certified Financial Planner
  • ChFC Chartered Financial Consultant
  • CLTC Certified Long Term Care
  • CLU Chartered Life Underwriter
  • CPFA Certified Plan Fiduciary Advisor
  • FALU Academy of Life Underwriting
  • FLMI Life Management Institute
  • LLM Master of Laws in taxation with a focus on estate planing
  • JD Doctoral Degree in Law
  • PPC Professional Plan Consultant

Most Common Topics Discussed:

We encourage people to ask us for advice about any financial topic. Some examples of the most common topics that people discuss with us are outlined below.

  • Cash Flow & Debt Planning
  • Caregiver & Special Needs Planning
  • College Education Planning
  • Deferred Compensation Planning
  • Elder Care Planning
  • Estate & Wealth Transfer Planning
  • Executive Benefits Planning
  • Executive Compensation Analysis
  • Investment & Portfolio Management Advice
    • Tax Conscious Investing
    • Fee Conscious Investing
  • Pension Optimization Strategies
  • Philanthropic & Charity Planning
  • Protection Planning & Analysis
    • Disability Income Planning
    • Pre-Mature Death Planning
    • Long-Term Care Planning
    • Medical Benefit Planning
  • Retirement Account Investment Advice
  • Retirement Planning (Pre & Post Retirement)
  • Social Security Income Planning
  • Stock Grant Advice
  • Stock Option Advice
  • Trust Planning

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