Curriculum Preview
FundWise gives employees the financial knowledge to get the most out of their benefits, reduce stress, and build lasting confidence with money.
Group sessions run quarterly or monthly — included in every pricing tier. Employees attend live, ask questions, and walk away with actionable next steps.
Highest Priority
Most employees leave money on the table because no one teaches them how their benefits work. FundWise closes that gap.
Understanding premiums, deductibles, copays, coinsurance, HSA vs. FSA, and how to choose the right plan for their situation.
401(k) basics, employer match, vesting schedules, and why starting early changes everything about long-term wealth.
What employer-provided coverage actually protects, and when it makes sense to buy additional coverage independently.
Maximizing PTO, understanding rollover policies, and using leave strategically for financial and personal wellbeing.
How ESPPs work, vesting schedules, discount rates, and when to participate versus when to pass on the offer.
Accident, critical illness, and hospital indemnity plans — a clear framework for deciding what's worth the payroll deduction.
Core Literacy
Build the numerical literacy to make smart decisions — at work and in life.
Debt-to-income ratio, savings rate, net worth, and emergency fund benchmarks — the numbers that actually predict financial health.
Gross vs. net pay, deductions, withholdings, FICA, and what actually comes off the top — demystifying the biweekly slip.
How compound interest works for and against you — the math behind loans, credit cards, and investment growth over time.
Building Wealth
Investing doesn't have to be intimidating. We walk employees through the basics so they can start building wealth.
Taxable brokerage, 401(k), IRA (Traditional vs. Roth), and HSA investment accounts — when to use each and why it matters.
What they are, how they differ, risk profiles, and when to use each — explained without jargon or oversimplification.
Understanding risk tolerance, asset allocation, and why diversification across asset classes is the closest thing to a free lunch in finance.
What the stock market is, how index funds work, what compound growth actually looks like over 10, 20, and 30 years.
Day-to-Day Money
Practical frameworks for managing money month-to-month — no guilt, no deprivation, just clarity.
The 50/30/20 rule, zero-based budgeting, and tracking spending without the stress — finding the method that actually sticks.
Snowball vs. avalanche method, prioritizing high-interest debt, and when consolidation makes sense versus when it doesn't.
How much is enough, where to keep it, and how to start from zero — even on a tight or variable income.
What determines a score, concrete steps to improve it, and why it matters for more than just getting a loan.
Life Transitions
High-stakes moments that don't come up often — but matter enormously when they do.
Down payments, mortgage types (30-year vs. 15-year, fixed vs. ARM), PMI, affordability rules, and first-time buyer programs worth knowing about.
Buying vs. leasing, loan term trade-offs, depreciation realities, and what to actually negotiate on — beyond the monthly payment.
Marriage, kids, divorce, job loss — how to financially prepare for transitions that are inevitable but rarely budgeted for.
Wills, powers of attorney, healthcare directives, and why it matters at every income level — not just the wealthy.
FundWise brings all of this — and more — directly to your employees through live group sessions. Pricing is simple: one flat annual fee covers your entire team, no per-employee charges.
FundWise is brought to you by Midwest Money Mentor, LLC · South Dakota · Est. 2025