"Experience the Power of Wellness: Transform Your Finances for a Healthier, Wealthier Future"
"Master the Art of Financial Freedom: Unleash Your Potential and Embrace a Future Unburdened by Financial Constraints"
"Say Goodbye to Financial Stress: Embrace Wellness Strategies for a Balanced and Prosperous Life"
The pain point of financial wellness often lies in balancing current financial responsibilities and future financial security. Many individuals grapple with managing their income effectively to cover immediate needs such as bills, mortgage or rent, and daily living expenses while also trying to save for retirement, children’s education, or unforeseen emergencies. This struggle is often exacerbated by a lack of financial literacy, leading to poor financial decisions, such as excessive borrowing or inadequate investment. The fear of economic instability can be overwhelming, causing stress and anxiety and potentially impacting one’s quality of life and time spent with family. The journey towards financial wellness is complex, requiring discipline, knowledge, and strategic planning.
Everyone is affected by stress. While some stress can be manageable, too much can harm a person’s mental and physical health. This is terrible news for companies that don’t take steps to address the issue, as stress can hurt productivity, morale, and your bottom line.
For employees, finances are the number-one source of stress, more so than work, health, and family issues. Financial stress is a concern for employees at all income levels: Even among employees with an annual household income of $100,000 or more, 52% report feeling stressed by finances.
Such stress can affect your company’s bottom line. Let’s look at how:
Declines in Productivity
When employees are financially stressed, it is hard to “leave it at the door.” One in five employees admits that financial worries have impacted productivity at work. 49% of employees distracted by their finances at work say they spend three or more working hours each week thinking about or dealing with issues related to their finances. Over a year, a full-time employee may spend more than 156 hours (or 19.5 days) distracted from work because of personal money matters. Based on the average American hourly wage, you could effectively be paying financially stressed employees $3,922 or more each year to fret about money on the job.
Weakened Company Culture
Stress hacks away at morale. Employees burdened by money matters are nine times more likely to have troubled relationships with coworkers and are twice as likely to be searching for a new job. This could pose many issues, from trouble retaining employees to increased H.R. workload and training costs.
Delayed Retirements
Did you know that 40% of employees plan to postpone retirement? This can impact your bottom line through wages, healthcare costs, and workers' compensation. Research shows even a one-year delay in retirement could result in
- Incremental annual workforce costs of about 1.0%–1.5% for an entire workforce.
- An incremental cost of over $50,000 for an individual whose retirement is delayed. This represents the cost differential between the retiring employee and a skilled replacement.
Helping Ease Employee Stress - How We Can Help
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THE CHALLENGE
Money might make the world go round, but many of us grew up without the fundamental skills to prosper into retirement and beyond.
We may have taken economics, math, and maybe a finance course. Still, few of us have been trained in critical skills like budgeting, estate planning, home buying, retirement planning, or surviving a recession. This lack of education, combined with the barrage of media messages insisting we all need a newer car, a bigger house, and designer dog food to “keep up with the Joneses,” is why many Americans are facing financial ruin.
But who has the energy to pursue an economic education when simply staying afloat is all-consuming? This is where we come in. Our workshops and programs allow your employees to strengthen their skills and offer valuable, vital information at no cost to them or your company.
Consider offering a Financial Wellness program to combat the adverse effects of financial stress and build a stronger, more loyal team. This is a widely desired benefit: 60% of employees say they are more likely to stay with an employer offering a program to help them manage their money.
We can help implement a program that is tailored specifically for your employees. For instance, a recent survey showed half of employees spend more than they earn each month; therefore, resources on budgeting could be highly beneficial for these folks. Another idea is to focus on debt management, given that 37% of employees say they have more debt than they can manage.
The good news is that employees want help in their financial lives—and you are in a position to help them. A holistic and comprehensive financial wellness program can help reduce stress in the workplace, improve company culture, and strengthen your bottom line. Because when your employees thrive, your business thrives.
Introducing Changing The Way America Thinks About Money
The Lawless Report works to offer free financial wellness programs to organizations and businesses. Improved job satisfaction, reduced turnover, and increased productivity are ways our programs and services can benefit your employees or members. You can learn more about the advantages of partnering with The Lawless Report by continuing to read
below. There’s never any catch, cost, or obligation.
Here’s What You’ll Get When You Sign Up
- The Lawless Report provides an array of complimentary seminars and programs encompassing a broad spectrum of monetary subjects.
- Our programs are tailored to assist individuals at all phases of their financial journey, from those grappling with living from one paycheck to the next and managing debt to their peers searching for more sophisticated knowledge on subjects like investment tactics, discerning market trends, and estate planning.
- Our seminars are structured to span 30-45 minutes, ensuring employees can participate during their lunch interval, thereby minimizing disruption to their work schedule.
- Our financial seminars and services are meticulously crafted to guide individuals toward financial independence by applying practical and sensible strategies to everyday life.
Benefit 1 - Debt Consultation
Debt consultation offers a multitude of benefits that can lead to financial independence. It provides a clear understanding of your financial situation, enabling you to make informed decisions about managing your debt. With a personalized debt management plan, you can strategically tackle your debts, potentially reducing interest rates or eliminating fees. Furthermore, the budgeting advice you receive can help you balance debt repayment with other financial obligations, preventing future debt accumulation. Ultimately, debt consultation equips you with the tools and knowledge to regain control of your finances, paving the way towards a debt-free and financially secure future.
Benefit 2 - Retirement Consultation
We work with your employees with strategies highlighting a promising retirement planning approach that can provide significant benefits. If your employees are distressed by the fluctuating values of their retirement accounts such as 401(k), 403(b), IRA, or Roth IRA, there's a solution that can help them recover their investment losses and ensure steady growth. This strategy allows employees to recoup their losses and guarantees a higher income upon retirement than they would have had before any market downturn. The most compelling aspect is the assurance that this income will last their entire lifetime, providing a secure and worry-free retirement. Therefore, your employees don't have to let market volatility turn their retirement dreams into a nightmare. Instead, they can look forward to a stable and prosperous retirement.
Benefit 3 - Online Community
Employees will be part of an online community where they will gain access to a wealth of real-world knowledge and insights shared by individuals navigating the same financial journey. Unlike traditional financial advisors, the advice here is grounded in personal experience and proven strategies, not just theoretical knowledge. This community empowers employees to break free from the cycle of financial uncertainty by equipping them with the tools and understanding they need to take control of their financial future. Here, employees are not passive recipients of advice but active participants in a collective journey towards financial independence. This community is your employees’ platform to stop the insanity, learn, grow, and ultimately unlock their financial freedom.
Benefit 4 - Financial Workshops
Part of our financial wellness programs and services are free financial workshops that benefit individuals at all stages of their financial journey. For those grappling with living paycheck to paycheck or managing debt, our workshops offer practical advice and strategies to regain control of their financial health. For those seeking more advanced knowledge, we will explore investment strategies, market trend identification, and estate planning. Each workshop is meticulously designed to fit within a 30–45-minute window, making it convenient for employees to attend during their lunch breaks without disrupting their work schedule. In the current climate, we've adapted to the needs of our attendees by offering these workshops virtually, ensuring that everyone can access this valuable information from the comfort of their homes or offices. By participating in our workshops, individuals are empowered to unlock their financial freedom, one of the core tenets of The Lawless Report.
Popup Live Courses
Membership in the Online Community Grants Access to These Courses at No Additional Cost
1
Module 1: Planning and Control
The difference between those who accomplish their dreams and those who only dream of accomplishing them is planning and control.
What You Will Learn
- Planning and Control
- Create your Dream List
- Organization for Success
- Keep Records for Tax Deductions
- Your Wealth Checkup
2
Module 2: The Concept and Necessity of Insurance
By buying insurance you are accepting a small, predictable loss (the premium) in exchange for a potentially larger unpredictable loss (the peril).
What You Will Learn
- The concept & Necessity of Insurance
- Important Insurance Terms
- Life Insurance
- Medical Insurance
- Vehicle Insurance/Rental Car Insurance
- Home/Dwelling Insurance
- Other Types of Insurance
3
Module 3: Reduce Debt/Control Credit
Your debt and credit history can be your greatest asset and ally, or it can be your financial enemy.
What You Will Learn
- Debt Reduction
- Credit Control
- Credit Score
- Consumer Buying
- Mortgage
4
Module 4: Introduction to Tax Management
To obtain a basis understanding of the tax system, you must keep two things in mind--all income is taxable, unless you can find a specific law or regulations that say income is not taxable.
What You Will Learn
- Introduction to Tax Management
- Tax Reducing Strategies for Employees
- Maximize Your Tax Credits
- Schedule A Tax Deductions
- Audit Strategies
5
Module 5: Invest Powerfully/Maximize Returns
Many people invest or one or more specific goals, such as retirement, a dream home, children or financial security.
What You Will Learn
- Introduction to Investing
- Mutual Fund Selection
- Avoid Investment Mistakes
- Retirement Planning
- Education Funding
- Advance Real Estate Investments
- Glossary of Investment Terms
6
Module 6: Plan Your Estate
There is an old adage, "Failing to plan is like planning to fail."
What You Will Learn
- Fundamentals of Estate Planning
- Estate Planning Worksheet
Bonus
Bonuses: Your Key to Prosperity!
The key to prosperity lies in carefully managing one's financial resources and the strategic investment in one's future. It's about understanding the value of money, not just as a means of transaction but as a tool for growth and stability. It involves setting clear financial goals, making informed decisions, and being disciplined in saving and spending. It's also about continuous learning and adapting to the ever-changing financial landscape. Remember, prosperity is not just about accumulating wealth but also about achieving financial freedom and security.
HealthPrex
College Assistance
Estate Planning
About The Founder,
Ronald Lawless
Ronald Lawless, fondly known as 'Ronald, is a seasoned Financial Educator passionate about guiding individuals toward financial independence and a prosperous retirement. With a keen eye for detail and a deep understanding of financial markets, Ronald leverages his extensive knowledge to provide comprehensive financial education to his clients. His journey in the financial sector spans several decades, during which he has honed his skills and developed a unique approach to financial mentorship.
Ronald's expertise lies in his ability to simplify complex financial concepts, making them accessible and understandable to everyone, regardless of their financial background. His approach to financial education is rooted in patience and kindness. He believes in meeting people where they are, understanding their unique financial situations, and tailoring his guidance to suit their needs. He aims to empower his clients to make confident decisions about their financial future, unlocking their financial freedom.
Financial Wellness:
The Key to Security, Prosperity, and a Lasting Legacy
Financial wellness is incredibly valuable for a multitude of reasons. Firstly, it provides a sense of security and peace of mind. Your employees are not constantly worrying about paying bills or dealing with unexpected expenses when they're financially well. This reduces stress and allows you to focus on other essential aspects of life, such as your health, relationships, and personal growth.
Secondly, financial wellness opens opportunities. It allows you to invest in your employees’ future, whether that's through education or planning for a comfortable retirement. It allows your employees to make choices that enhance their quality of life.
Thirdly, being financially well means your employees are better prepared for emergencies. Life is unpredictable, and having a financial cushion can make a significant difference when facing unexpected situations.
Lastly, financial wellness can lead to generational wealth. It's not just about their financial health but also their children's and grandchildren's financial future. By being financially well, your employees can provide opportunities for future generations.
Remember, your employees’ financial wellness isn't just about having a lot of money. It's about managing their money effectively, making informed financial decisions, and planning for the future. As a Financial Mentor, I always emphasize the importance of financial education and planning. It's never too early to start working towards financial wellness. Unlock Your Employees’ Financial Freedom!
100% Satisfaction Guarantee for 30-Days
We firmly believe in the value and quality of our services. We are so confident in our ability to guide your employees toward financial freedom and prosperous retirement that we offer a unique guarantee.
We invite you to give us 30 days to demonstrate what we can do for you. Let your employees, the backbone of your business, determine if our service adds value to your bottom line. We are confident that our expertise and dedication will significantly impact your employee’s financial planning and management.
After these 30 days, the decision is entirely in your hands. If you find our services beneficial and wish to continue our relationship, we would be more than happy to assist you further. If not, you are under no obligation to continue.
The best part? This 30-day trial period is FREE. We want to give you a risk-free opportunity to experience the benefits of our services. So, why not give us a chance? Unlock your employee’s financial freedom with us today.
Thank You for Taking Time to Read Our Offer
Dear Visitor,
I'm Ronald, your Financial Mentor. I've poured my heart and soul into creating this program and the added services and resources. I am incredibly proud of the result. It's more than just a program - it's a roadmap to financial freedom and prosperous retirement.
I've been where you are, and I understand your challenges. That's why I've tailored this program to help you navigate these obstacles and become more assertive on the other side.
I genuinely believe in the power of this program to transform your financial future. I've seen it happen repeatedly, and I'm excited for you to be the next success story.
So, I encourage you to sign up. Let's embark on this journey together. I'm here to guide you every step of the way, and I can't wait to see your employees achieve the fantastic results I know they are capable of.
Unlock Your Financial Freedom,
Ronald Lawless
How people feel about where they are on their financial journey.
Surviving
"I require financial assistance to get by."
Struggling
"I am struggling to keep up with day-to-day expenses."
Stable
"I am fairly stable, but just making ends meet."
Secure
"I am fairly secure, able to make ends meet and have some left over."
Surplus
"I have more than I need for myself and my family."
As your employees feel more confident in their finances, they often become more secure with life.