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Financial Wellness is having a clear understanding of ones financial situation and having the ability to live within their financial means.

Strong links exist between a person's overall health, financial situation and the ability to perform well at home and at work.

Did you know:

  • Money is the number one cause of stress for employees
  • 55% of people are stressed about money
  • 42% of Canadians lack basic financial literacy
  • Canadians are on average spending 25% more than their incomes 
  • 40% of people say that money stress is affecting their productivity at work

Our Commitment

Human Resources Services is pleased to continue our commitment to the financial and lifetime wellness of faculty and staff by offering the following free resources, programs and workshops:

Financial Planning Workshops

Financial Wellness: See Your Money Differently®

Too often, we spend all our time looking back with our money; paying bills, paying off debt, having enough money to buy lunch, and figuring out if we have enough to make it to the end of the month.

See Your Money Differently is a program designed to change the way people see money and encourage them to begin looking forward and plan for major life events; buying a house, saving for kids' education, taking that dream vacation, being free from financial stress, and preparing for retirement.

This program will help participants take back control of their finances, empowering them to take action, and reduce their stress about money. No workshop can solve all financial concerns, but See Your Money Differently will give participants the information and resources needed to move forward with better financial habits and a new perspective on money.

Participants receive worksheets and resources to help them take action with the information provided.

Topics covered in this program include:

  • determining financial priorities
  • taking control of spending
  • ways to save money
  • the fundamentals of debt destruction
  • understanding mortgages
  • life insurance
  • how to pay less tax
  • RRSPs vs TFSAs
  • who can help you and how to find these people

Program Cost: This program is funded by McMaster University. Parking fees are the responsibility of the participant (or their department).

Withdrawing from the Program: Seating is limited in this workshop. Those who register but do not attend  or withdraw seven calendar days or less prior to the start of the program will have an administrative fee ($200) billed to their department.

All withdrawal notifications must be submitted via email to  .

Next Session: 

November 13, 2018. from 9 a.m. until 4 p.m.  Register วิเคราะห์บอล here.

Retirement Planning Workshops

Retirement Planning: Helping You Sail Successfully into the Future

Transitioning to retirement can be an exciting and anxious time. Many questions create confusion and information is coming from many directions. This program is designed to guide participants through the process of preparing and transitioning into retirement with confidence. The program will help you build a much clearer personal vision of retirement, determine how much you will need to achieve that vision, and show you where the money will come from to fund your lifestyle.  Participants will receive a workbook and resources to help them take action with the information provided.

In this course you will learn:

  • how to dramatically reduce your taxes
  • how spending changes from working years to retirement years
  • how to change the management of your investments
  • how to plan your retirement lifestyle (what will you do once retired?)
  • the frank truth about RRSP, RRIFs, and TFSAs
  • the importance of a financial plan
  • the importance of wills, powers of attorney, personal care directives; and
  • who can help you through the process
This program is open to all current McMaster employees and intended for those who are within 10 years of retiring.
Program Cost: This program is funded by McMaster University. Parking fees are the responsibility of the participant (or their department).  Cancellation fees apply (see below).  Lunch is not included.

 

Withdrawing from the Program : Seating is limited in this workshop. Those who register but do not attend (no show) or withdraw from the session seven calendar days or less, prior to the start of the program, will have an administrative fee ($200) billed to their department.

All withdrawal notifications must be submitted via email to .

Next Session: 

May 2, 2018.  8:30 a.m. until 4:00 p.m. Mills Library.  Register here.

September 24, 2018. 8:30 a.m. until 4:00 p.m. in Wilson Hall.  Register here.

November 1, 2018. 8:30 a.m. until 4:00 p.m. at 1 James North (Centre for Continuing Education).  Register here.

McMaster Resources

Venngo WorkPerks: McMaster's Employee Discount Program

McMaster employees can enjoy an employee discount program through a partnership with Venngo WorkPerks. Discounts are available from over 1,700 vendors across Canada including restaurants, tickets, travel, clothing and personal items, health and wellness, and much more. To learn more about this program, visit the McMaster employee discount webpage.

 

Financial Literacy Month Programming 

Mark your calendars and watch for more information!  November is Financial Literacy Month and along with a weekly newsletter with tips for your financial wellness, we host weekly financial wellness workshops over the lunch hour on topics such as retirement, savings strategies and estate planning, along with a full-day program on achieving your personal financial wellness.  Watch for more details closer to November!  Want a sneak peak?  Here's what we offered in November 2017.

 

Homewood Health (McMaster's Employee and Family Assistance Program)

Free Financial Consultation

  • Our EFAP can help you by arranging a discussion with a financial expert or can provide ongoing coaching to help you build confidence to solve almost any financial challenge.  More information is available วิเคราะห์บอล here.
  • Free Pre-Retirement Planning

  • Our EFAP can help by arranging a conversation with a retirement counsellor who can walk  you through the types of support you can benefit from - written materials, internet resources, financial software, and more.  They will connect with you as often as you need while using the materials to help you build confidence with your pre-retirement planning process.  More information is available วิเคราะห์บอล here.

    Community Resources

     

    • FREE online personal budgeting webinars 
    • My Money Coach
    • The Canadian Insolvency Guide (Free)
      • The Canadian Insolvency Guide is an excellent resource, for anyone suffering a debt crisis. It’s written by a Licensed Insolvency Trustee and gives a person the knowledge they need to make an informed decision on how to get a fresh financial start.
    • Canadian Anti-Fraud Centre (CAFC)
      • CAFC is the central agency in Canada that collects information and criminal intelligence on such matters as mass marketing fraud (e.g., telemarketing), advance fee fraud, internet fraud and identification theft complaints.
    • Understanding Mortgages
    • Financial Tools and Calculators
      • Tools to help you choose a bank account and credit card, including budget and mortgage calculators.
    • Financial Consumer Agency of Canada: Your Financial Toolkit
      • A comprehensive learning program that provides basic information and tools to help adults manage their personal finances and gain the confidence they need to make better financial decisions.


    Know of a great resource that you think would benefit other employees, email it to  and we'll add it to our list!

     

    Benefits and Retirement Plans

    The Human Resources Service Centre is responsible for administering the many valuable benefit and pension plans available to eligible employees and retirees of McMaster University.  For further information, please visit:

     

     

      .

    Contacts

    For further information about any of our Financial Wellness programs, please contact:

    Deb Garland

    Program Manager, Engagement & Wellness
    Organizational Development
    Human Resources Services
    dgarland@mcmaster.ca or ext. 24556

    Melanie Garaffa

    Senior Manager
    Organizational Development
    Human Resources Services
    garaffa@mcmaster.ca or ext. 28660