How Your Advisor Can Help: Financial Wellness How Your Advisor Can Help: Financial Wellness • Provide digital, self-service tools that guide users through a series of goals such as how to establish emergency savings funds, improve credit score, lower debt, buy a home and prepare for retirement. • Provide access to certified financial coaches who do not work on commission and offer unbiased advice to employees. SUCCESS STORY: Using Retirement Benefit Matches to Boost Productivity and Retention School districts in both urban and rural areas are using retirement plan matches and vesting schedules to incentivize recruitment, retention and attendance. These extra incentives are deployed in areas where recruitment and retention are a challenge or to reduce the costs associated with hiring substitute teachers. To help boost employee productivity, HUB worked with school districts to establish an attendance benchmark based on historical data and the additional match to be offered above the retirement plan base match. Teachers who achieve the benchmark during the school year receive the higher employer match. Clients who implement the higher match in conjunction with automatic enrollment have seen plan participation increase from 35% to 95%. 19 | HUB International 2025 North American Outlook Report