Participant Education
At APS Pension & Financial Services, we are committed to empowering 401(k) plan participants with the knowledge and tools they need to make informed financial decisions. Through our comprehensive annual and ongoing education programs, we help participants understand their retirement options, investment strategies, and the importance of long-term financial planning.
Annual Education Programs
Each year, we conduct structured educational sessions designed to engage and inform employees about their 401(k) plan. These sessions cover:
Plan Overview & Enrollment Guidance
Explanation of plan features, contribution options, and employer match benefits.
Investment Fundamentals
Education on asset allocation, diversification, and risk management* tailored to different investor profiles.
Retirement Planning Strategies
Insights on retirement savings goals, Social Security** considerations, and withdrawal strategies.
Regulatory & Plan Updates
Clear communication of any plan changes, legislative updates, and fiduciary responsibilities.
*Active portfolio management, including market timing, can subject longer term investors to potentially higher fees and can have a negative effect on the long-term performance due to the transaction costs of the short-term trading. In addition, there may be potential tax consequences from these strategies. Active portfolio management and market timing may be unsuitable for some investors depending on their specific investment objectives and financial position. Active portfolio management does not guarantee a profit or protect against a loss in a declining market.
Neither Asset Allocation nor Diversification guarantee a profit or protect against a loss in a declining market. They are methods used to help manage investment risk.
**Not associated with or endorsed by the Social Security Administration, Medicare or any other government agency.
Ongoing Participant Support & Resources
Beyond annual education, we offer continuous learning opportunities and personalized support, including:
- One-on-One Consultations – Personalized sessions with financial advisors to help participants align their investment choices with their retirement goals.
- Webinars & On-Demand Learning – Access to virtual workshops and online resources covering financial wellness, market trends, and retirement strategies.
- Financial Wellness Programs – Interactive tools and assessments to help participants budget, manage debt, and prepare for major financial milestones.
- Participant Newsletters & Market Insights – Regular communications providing investment tips, market updates, and retirement planning best practices.
- Interactive Retirement Calculators & Digital Tools – Online resources to help participants project retirement savings and make informed contribution decisions.
At APS Pension & Financial Services, we believe that an informed participant is an empowered participant. By delivering accessible, engaging, and personalized education, we help employees maximize their 401(k) benefits and work towards a more confident financial future.