Financial Counseling & Education
Joyner's Financial Counseling & Education resources help you build stability, manage debt, plan for retirement, and navigate major financial decisions with confidence — at no cost to you.
Why Financial Wellness Matters
Financial stress is one of the leading causes of workplace distraction, absenteeism, and mental health challenges. Joyner's financial wellness resources exist to reduce that burden — giving every associate access to the tools, guidance, and education needed to make confident financial decisions at every stage of life and career.
Free
EAP Financial Counseling
One-on-one sessions with a certified financial counselor — included in your EAP at no cost to you
24/7
Online Resources
Budgeting tools, retirement calculators, and financial education available anytime through the EAP and Schwab portals
Pre-Tax
Savings Vehicles
401(k), HSA, and FSA accounts let you reduce taxable income while building savings for retirement and healthcare
Conf.
Private & Confidential
All EAP financial consultations are 100% confidential — Joyner is never informed of your usage or discussion topics
EAP Financial Counseling — Powered by Personify Health
Through Joyner's Employee Assistance Program — powered by Personify Health — every associate and their household members can access free, confidential consultations with certified financial counselors. Sessions can cover any financial topic at any stage of your financial life.
Budgeting & Debt Management
Build a personal budget that actually works. Get guidance on tackling credit card debt, student loans, and other obligations using proven strategies like the debt avalanche or debt snowball method.
Emergency Savings
Learn how to build a 3–6 month emergency fund even on a tight budget. A financial counselor can help you identify where to start and how to automate savings so it happens without thinking about it.
Retirement Planning
Whether you are just starting your career or a decade from retirement, a counselor can help you optimize your 401(k) contribution, understand Social Security, and build a retirement income plan.
Major Life Decisions
Buying a home, starting a family, going back to school, caring for an aging parent — major life events have major financial implications. A counselor helps you plan ahead and avoid costly mistakes.
Credit & Financial Recovery
Dealing with damaged credit, medical debt, or financial hardship? A counselor can help you understand your options — including negotiation strategies, credit rebuilding, and what to watch out for when working with debt relief services.
Tax Planning Basics
Understand how your W-4 withholding, 401(k) contributions, HSA elections, and side income affect your tax liability. The EAP can also refer you to a tax professional for more complex situations.
Access Personify Health — EAP
Charles Schwab — 401(k) & Retirement Resources
The Joyner 401(k) is administered through Charles Schwab. The Schwab portal gives you access to your account balance, investment options, contribution management, and free financial planning tools — including retirement income calculators and access to Schwab financial advisors at no additional cost.
✓View your current 401(k) balance and investment performance
✓Adjust your contribution percentage and investment fund allocations
✓Use the retirement income calculator to project your savings at retirement
✓Schedule a free consultation with a Schwab financial advisor
✓Update beneficiary designations on your 401(k) account
✓Access educational resources on investing, asset allocation, and market basics
Charles Schwab — View 401(k)
Associate Discounts — Perks at Work
The Perks at Work discount program gives Joyner associates access to hundreds of discounts on everyday purchases — adding real dollar value to your total compensation without adding anything to your workload. Categories include technology, travel, insurance, entertainment, fitness, food, and more.
View Associate Discounts
Quick Financial Tips for Joyner Associates
✓Contribute at least enough to your 401(k) to capture Joyner's full employer match — it is the highest guaranteed return available to you
✓Use your HSA or FSA for all out-of-pocket medical, dental, and vision expenses — you are paying with pre-tax dollars, which is an instant discount
✓When you receive a merit increase, consider routing a portion of the increase directly to your 401(k) — you will never miss money you never saw in your paycheck
✓Your EAP financial counseling is free and confidential — do not hesitate to use it. Joyner is never told what you discuss or whether you accessed the service
✓Keep your beneficiary designations current on both your 401(k) and life insurance — these designations supersede your will and are critically important after major life events
✓Take advantage of the Perks at Work discount program — savings on everyday purchases add hundreds of dollars of value to your annual compensation
Questions About Your Financial Benefits?
HR & Employee Care is your first point of contact for benefits questions. For 401(k)-specific guidance, contact Charles Schwab directly through your workplace portal.
