This is
an extraordinary time in our history.  The COVID-19 pandemic is
having a profound impact on the health of our loved ones, the businesses we
rely upon, the strength of the global economy, and the way we live our daily
lives.  To help our members with their collective financial health
during this crisis, MSA is offering two different weekly webinar series, each
with a distinct focus.

Series A: Budgeting
When Income is Uncertain | 9:00 AM (PST) on Fridays

Millions of Americans are
seeing their income become increasingly unpredictable.  The good news is
that there are many new programs trying to help.  Each webinar in this
series will begin with a few minutes covering government-based programs and
nationwide resources as they develop.  The next twenty minutes or so
will focus on specific budgeting tactics, student loan repayment
strategies and debt/credit tips that can help during these
challenging times.  We’ll wrap up with 30 minutes spent addressing
your questions. 

April 03,
2020 | Register Here

April 10,
2020 | Register Here

April 17,
2020 | Register Here

April 24,
2020 | Register Here

Series B:  Investment
Strategies in Volatile Markets | 12:00 PM (PST) on Fridays

Financial markets are
volatile whenever the future earnings of companies, the stability of
industries or the direction of global economies are uncertain.  So when
this happens, what do you do?  Each webinar in this series will spend
a few minutes reviewing updates to government and corporate actions intended to
stabilize the markets, with the majority of time centered on discussing investing
principles, plus current investment opportunities and challenges. 
Investment themes addressed will be those most often brought up by our
members.  We’ll leave the last 30 minutes to address your questions and
concerns.   

April 03,
2020 | Register Here

April 10,
2020 | Register Here

April 17,
2020 | Register Here

April 24,
2020 | Register Here

Note:  If you register
and cannot attend, a recording of the webinar, along with a copy of
the session presentation and handouts, will automatically be
sent within 2 business days.

It’s My Budget & I’m Sticking to It! | April 23, 2020 | 9:00 AM (PST) & 12:00 PM (PST) |  Register Here.

Creating
and sticking to a budget is the foundation for great personal finances. Why? It
gets you in the habit of reviewing and adjusting your spending so that the most
important goals in your life get funded. This class will outline a process for
creating a spending plan and will offer practical tips for sticking to it!

Note: 
If you register and cannot attend, a recording of the webinar, along with a
copy of the session presentation and handouts, will automatically be
sent within 24 hours.

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You
work hard for your money, but is your money working hard for you?

When it
comes to our finances, we always wonder if we are making the right moves, and searching for answers can feel overwhelming.

Middlebury College provides all employees access to
financial well-being thru My Secure Advantage (MSA).

MSA helps you make the most of your hard earned
dollars!  When it comes to living a financially stress-free life,
every decision you make adds up.  Through MSA, employees and their
covered dependents can work with a personal Money Coach and utilize website
services to make financial stress a thing of the past.

What’s Included

• 90 days (per calendar year) of personalized money coaching with a personal, confidential, unbiased, and guilt free Money Coach.  Coaches don’t sell products or services: their only job is to provide expert guidance and improve your financial life.
• Guidance on financial topics, goals, challenges, or questions.  Whether you’re getting by, digging out, or saving big, connecting with a Money Coach to discuss options, identify issues, and build out a plan can only help.

Work with MSA to tackle questions like “Should I be saving more or
paying down debt?” “When will I be able to retire, and how much do I need?”
“What type of portfolio is best for me?” “How do I balance enjoying life now
with saving for the future?” and more.

• Online tools include videos, calculators, articles, and budgeting software to help you stress less and save more.

Questions?  Learn more about MSA here. To
get started, sign up, and schedule your first appointment with a Money
Coach call 888-724-2326.

March 20, 2020 | 9:00 AM (PT) & 12:00 PM PT) | Register here.

When
markets go on a wild ride, it’s understandable to feel uneasy and maybe even
begin to question your investments and savings plans.  Ironically though,
one certainty is that market uncertainty is a constant.  Market downturns
happen frequently and are typically followed by recoveries.  Presented by
My Secure Advantage (MSA), this session will cover key considerations and best
practices in times of heightened volatility, as well as actionable next steps
that you can take now and in the longer term.  

Note: 
If you register and cannot attend, a recording of the webinar, along with a
copy of the session presentation and handouts, will automatically be
sent within 24 hours.  

Tuesday, March 17, 12 p.m. to 1 p.m. (ET)

More than 63 million are collecting Social Security benefits but not all understand how benefits are calculated, how to apply or basic strategies for claiming benefits. Learn the basics about Social Security including eligibility, how to apply, how your benefit is calculated and strategies for claiming benefits. Register today for this live webinar on Tuesday, March 17, 12 p.m. to 1 p.m. (ET). Featured speakers: Scott E. Chester Director, Wealth Planning Strategies TIAA Individual Advisory Services Colleen M. Carcone, CFP® Director, Wealth Planning Strategies TIAA Individual Advisory Services As Directors of Wealth Planning Strategies for TIAA, both Colleen and Scott provide comprehensive wealth transfer, estate and tax planning considerations for clients with the most complex needs. Their tax and estate planning knowledge and backgrounds allow them to provide high-net-worth families with specialized advice and sophisticated planning strategies for every aspect of their financial lives.

Visit TIAA.org/webinars to register.

Investing: Getting Started

Investing: Getting Started | March 10, 2020 | 9:00 AM (PST) & 12:00 PM (PST) |  Register Here.

Get ready for several compelling reasons why you need investing to achieve long-term goals. Then build your knowledge base as we define stocks, bonds, mutual funds and other investment options. We’ll also review how you would go about investing in each of those options. We’ll conclude with an overview of risk and return, as well as the fees associated with different types of investments, so you can feel more confident about adding investing to your financial action plan.

Note: 
If you register and cannot attend, a recording of the webinar, along with a
copy of the session presentation and handouts, will automatically be
sent within 24 hours.

++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++

You
work hard for your money, but is your money working hard for you?

When it
comes to our finances, we always wonder if we are making the right moves, and searching for answers can feel overwhelming.

Middlebury College provides all employees access to
financial well-being thru My Secure Advantage (MSA).

MSA helps you make the most of your hard earned
dollars!  When it comes to living a financially stress-free life,
every decision you make adds up.  Through MSA, employees and their
covered dependents can work with a personal Money Coach and utilize website
services to make financial stress a thing of the past.

What’s Included

• 90 days
  (per calendar year) of personalized money coaching with a
  personal, confidential, unbiased, and guilt free Money
  Coach.  Coaches don’t sell products or services: their only job
  is to provide expert guidance and improve your financial life.
• Guidance
  on financial topics, goals, challenges, or questions.  Whether you’re
  getting by, digging out, or saving big, connecting with a Money Coach to
  discuss options, identify issues, and build out a plan can only help.

Work with MSA to tackle questions like “Should I be saving more or
paying down debt?” “When will I be able to retire, and how much do I need?”
“What type of portfolio is best for me?” “How do I balance enjoying life now
with saving for the future?” and more.

• Online
  tools include videos, calculators, articles, and budgeting software to
  help you stress less and save more.

Questions?  Learn more about MSA here. To
get started, sign up, and schedule your first appointment with a Money
Coach call 888-724-2326.

February 27, 2020 | 9:00 AM (PST) & 12:00 PM (PST) |  Register Here.

Join
us on Thursday, February 27th for our next Live Financial Forum! Our panel of
money coaches will answer your questions live as well as some pre-submitted
questions on any financial topic. Since we are in the middle of tax season,
this forum’s theme will be Taxes. We will have a member of our tax team
available to answer your tax-related questions. Log into the webinar to hear
our panel address financial questions and concerns from people across the
country.

Note: 
If you register and cannot attend, a recording of the webinar, along with a
copy of the session presentation and handouts, will automatically be
sent within 24 hours.

++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++

You
work hard for your money, but is your money working hard for you?

When it
comes to our finances, we always wonder if we are making the right moves, and searching for answers can feel overwhelming.

Middlebury College provides all employees access to
financial well-being thru My Secure Advantage (MSA).

MSA helps you make the most of your hard earned
dollars!  When it comes to living a financially stress-free life,
every decision you make adds up.  Through MSA, employees and their
covered dependents can work with a personal Money Coach and utilize website
services to make financial stress a thing of the past.

What’s Included

• 90 days (per calendar year) of personalized money coaching with a personal, confidential, unbiased, and guilt free Money Coach.  Coaches don’t sell products or services: their only job is to provide expert guidance and improve your financial life.
• Guidance on financial topics, goals, challenges, or questions.  Whether you’re getting by, digging out, or saving big, connecting with a Money Coach to discuss options, identify issues, and build out a plan can only help.

Work with MSA to tackle questions like “Should I be saving more or
paying down debt?” “When will I be able to retire, and how much do I need?”
“What type of portfolio is best for me?” “How do I balance enjoying life now
with saving for the future?” and more.

• Online tools include videos, calculators, articles, and budgeting software to help you stress less and save more.

Questions?  Learn more about MSA here. To
get started, sign up, and schedule your first appointment with a Money
Coach call 888-724-2326.

February 11, 2020 | 9:00 AM (PST) & 12:00 PM (PST) |  Register Here.

You
work hard for your money, but is your money working hard for you?

When it
comes to our finances, we always wonder if we are making the right moves, and searching for answers can feel overwhelming.

Middlebury College provides all employees access to
financial well-being thru My Secure Advantage (MSA).

MSA helps you make the most of your hard earned
dollars!  When it comes to living a financially stress-free life,
every decision you make adds up.  Through MSA, employees and their
covered dependents can work with a personal Money Coach and utilize website
services to make financial stress a thing of the past.

What’s Included

• 90 days (per calendar year) of personalized money coaching with a personal, confidential, unbiased, and guilt free Money Coach.  Coaches don’t sell products or services: their only job is to provide expert guidance and improve your financial life.
• Guidance on financial topics, goals, challenges, or questions.  Whether you’re getting by, digging out, or saving big, connecting with a Money Coach to discuss options, identify issues, and build out a plan can only help.

Work with MSA to tackle questions like “Should I be saving more or
paying down debt?” “When will I be able to retire, and how much do I need?”
“What type of portfolio is best for me?” “How do I balance enjoying life now
with saving for the future?” and more.

• Online tools include videos, calculators, articles, and budgeting software to help you stress less and save more.

Questions?  Learn more about MSA here. To
get started, sign up, and schedule your first appointment with a Money
Coach call 888-724-2326.

LEARN MORE ON MY CIGNA

There are several important benefits changes for 2020. You are encouraged to review the information in your 2020 Benefits Enrollment Guide to make the best choices for you and your family. Middlebury College is proud to offer an extremely competitive benefits package. We want you to get the most out of your benefits!   

You are encouraged to take advantage of the opportunity for a one-on-one meeting with a Hodges-Mace counselor – either in person or by phone. 

On-Site Open Enrollment Support – November 1-15, 2019

****Making your appointment early gives you more time slot options****

Click one of the links below to sign up for a counseling session – either in person (on campus) or by phone:

On Campus  (for in-person appointment on Middlebury or MIIS campus)

Call Center (for an appointment by phone)

Making the Most of your Hodges-Mace Appointment: – Preparation List

A little preparation will go a long way in making the most of your 30-minute enrollment appointment with Hodges-Mace.   Please click on link above for a list of questions to assist you in preparing for your meeting.

RESCHEDULING YOUR APPOINTMENT:

Once an appointment is scheduled, you will receive a link and confirmation number via email.  If you would like to reschedule an appointment, you can click on the link, provide the confirmation number, and it will take you to a page where you can reschedule their appointment.

Visit the Open Enrollment webpage for more information, past communications, a percent of income calculator, the 2020 Benefits Enrollment Guide, as well as recording of the open meetings.

• National Retirement Security Week is this month and TIAA’s live webinars feature topics to help you plan for your financial goals.

Special Topic: Making gifts to loved ones and charities

 You can help to
maximize the value of your life’s work and help take care of your survivors and
philanthropic causes with a little planning. This webinar will review basic
strategies for giving to individuals and charities during your lifetime, as
well as legacy planning. October 15 at 12 p.m. (ET)

Special Topic: Understanding Health Savings Accounts (HSA’s)

You may know about the tax advantages of contributing to a
Health Savings Account (HSA), but did you know that HSAs are also a way to save
for health care in retirement? This webinar will help you understand some
aspects of HSAs including how they help account owners to pay for current
health care expenses and save for those in the future. October 16 at 12 p.m.
(ET)

Special Topic: Market-proof your retirement*

 In retirement—and the
years leading up to it—protecting your savings becomes just as important as
growing it. Join us to learn how to create your own personal pension with TIAA
Traditional, offered by Teachers Insurance and Annuity Association of America
(TIAA).** October 16 at 3 p.m. (ET)

Special Topic: Quarterly economic and market update

TIAA’s Chief Investment Strategist will discuss economic and
market developments that may impact your retirement savings strategy. October
17 at 12 p.m. (ET)

Within Reach: Transitioning from career to retirement

You can plan ahead to help make the most out of your
retirement—from paying yourself to allowing for taxes, healthcare and estate
planning wishes. October 17 at 3 p.m. (ET)

Special Topic: Help protect you, your family and your money

 Are you concerned
about identity theft and your family’s security online? Learn about measures to
help prevent identity theft by securing your personal information on websites,
social media and mobile apps, and how to conduct online financial transactions
safely. October 22 at 12 p.m. (ET)

Money at Work 2: Sharpening investment skills

Feel more secure in your savings strategy by verifying
you’re on the right track. And if you’re off track, know what adjustments you
need to make. Learn how to plan your investments and hold on to as much of your
nest egg as possible. October 22 at 3 p.m. (ET)

Special Topic: Understanding Medicare

 Paying for healthcare
in retirement is a critical part of financial planning, and it is important to
understand how Medicare operates and what choices you have. This webinar will
review aspects of Medicare including eligibility and what plans are available
to you. October 23 at 12 p.m. (ET)

Start to Finish: The early career woman’s guide to financial
wisdom

When women are starting their careers, there’s a lot to
consider—career goals, job satisfaction, achieving a work/life balance. But
it’s important to also consider retirement. Discover how establishing a plan
now can help establish your financial future. October 23 at 3 p.m. (ET)

Special Topic: The 411 on 529 college savings plans

You can learn all about how 529 college savings plans work
and how to invest in one for a child, grandchild, yourself or other loved one.
October 24 at 12 p.m. (ET)

Tomorrow in Focus:

Saving for your ideal retirement Find out how retirement savings, planning and the real benefit of time are essential features of retirement investments. October 24 at 3 p.m. (ET)

Special Topic: Planning for retirement—The why, what and how

This webinar will discuss the challenges and risks people
face in retirement, and how good planning can address them. October 31 at 3
p.m. (ET)