Navigating Your Next Steps Navigating Your Next Steps HUB construction insurance, risk management and employee benefits HUB retirement and private wealth advisors will work with you to develop specialists will work with you to develop a tailored strategy that will protect a tailored retirement plan that protects the bottom line, supports your the bottom line, support your workforce and build resiliency for 2025. Here workforce and builds resiliency for 2025. Here are some initial considerations: are some initial considerations: Provisions in Secure 2.0 and other developments will give Making risk management a pillar of your organization’s culture employers the opportunity to increase participation and Rethink the can help identify exposures and develop response plans in case Develop a improve employee engagement. Plans need to be re-evaluated retirement plan of any type of incident, whether that is a weather-related event, 1 comprehensive to meet compliance standards and achieve organizational goals, 1 with a trusted a threat of physical safety or a cyberattack. Make sure your risk plan. while organizations without a plan must consider one to stay advisor. broker understands how to approach risk and can identify gaps competitive. A trusted advisor can help you make sense of the in insurance that could disrupt your daily operations. new environment. Retirement readiness doesn’t just mean having a 401(k) plan. Often, To compete for a shrinking pool of skilled labor, personalized benefits Integrate employees need guidance on saving, managing debt and having Create a based on HUB Workforce Persona Analysis and data analytics can financial realistic financial goals. A holistic financial wellness program will personalized help your company differentiate itself from the competition. Creating 2 wellness with not only help your employees reduce financial stress but improve 2 benefits a quality employee experience (QEX) will boost engagement, improve retirement retirement readiness. Tools such as HUB FinPath give employees strategy. recruitment and retention and promote worker wellbeing readiness. individualized ways to help achieve financial wellness. Remain Safety is already the focal point of your operation, but with Reinforce Talk to your plan advisor about how to cope with a changing focused on an influx of new and less-experienced workers, injury risks 3 retirement plan regulatory environment, meet fiduciary responsibilities and 3 workplace increase. Work with a risk professional to review your safety resiliency. avoid costly litigation. Acting now to make your plan more safety. program at least annually and address any issues. resilient will pay dividends over the long haul. Stay in contact with your broker and let them know about Prepare for Individuals need to plan for the new estate tax exemption, and Be transparent changes to the business to eliminate surprises at renewal. changes in in the face of unstable stock and bond markets, they’ll need to with your Review exposures and insurance needs at least 90 days prior 4 estate planning adjust their portfolio strategies. HUB’s Private Wealth advisors 4 broker. to policy renewal to allow your broker to find the optimal and investment can help you avoid the estate and investment pitfalls you’ll face coverages for your organization. strategies. in 2025. 7 7