Financial Well-Being Resources

Employees can talk with certified financial advisors from FRS and Wealthspire about any financial topic such as budgeting, getting out of debt, investing, deferred compensation, life insurance, retirement, and wills. Both offer confidential personalized advice and do not sell any specific products.

• Florida Retirement System (FRS) – Call (866) 446-9377, option 2 to speak with a EY financial advisor from Monday through Friday 8 a.m. to 6 p.m. or use the online scheduler to book an appointment.
• Wealthspire – Call (800) 959-0071 or email Wealthspire to schedule a free appointment (phone or video) with a financial advisor.

• Bill Calendar and Spending Tracker (Consumer Financial Protection Bureau)
• Budgeting and Spending (Bright Plan Academy) including the SMART Goal Financial Worksheet
• Money Goal Worksheet (Consumer Financial Protection Bureau)
• Monthly Budgeting Tool (Consumer Financial Protection Bureau)

• 529 Qualified Tuition Plans (U.S. Securities and Exchange Commission)
• College Education Strategies (Securian Financial video, 42 minutes)
• Federal Student Loan Aid Estimator (Office of Federal Student Aid)
• Florida Bright Futures Scholarship Program (Office of Student Financial Assistance)
• Florida Prepaid Savings Plans (Florida Prepaid College Board)

• Debt Collection (Consumer Financial Protection Bureau)
• Debt Consolidation Calculator (FRS)

• BrightPlan Academy – Financial education guides ranging from balance transfers to how to build an emergency fund.
• Employee Assistance Program (EAP) – Call (866) 248-4096, 24/7 or visit Optum’s Live and Work Well, select Browse with an access code, and enter the code Pinellas for up to 60 minutes of free consultation with a financial coach. Also get tips to boost savings, lower debt, improve credit, and budget better.
• Khan Academy – View educational videos such as Personal Finance (10 lessons) and Financial Literacy (16 lessons).
• MyMoney.gov Five & Tools – Discover 5 building blocks for managing and growing your money and helpful tools for making informed financial decisions.
• Securian Financial – Access on-demand financial education seminars.

• Flexible Spending Account/FSA (Pinellas County) – Save money by contributing tax-free dollars for qualified healthcare expenses and/or dependent care expenses for children and adults.
  • If your predictable expenses add up to at least $10 per pay period, you may save up to 30% by participating in the Healthcare FSA.
  • If you pay at least $260 a year for work-related childcare or adult care, you may save money by participating in the Dependent Care FSA.
• Health Savings Account (Pinellas County)
  • Employees on the High-Deductible Health Plan can make pre-tax contributions to an HSA account to be used for qualified expenses and healthcare costs.
  • Pinellas County contributes to this account.
  • Choose self-directed investment options and grow your money over time.
• Medical Plan Savings (UMR)
  • Use in-network providers which cost less than those that are not part of the UMR network.Look for preferred providers who potentially charge less. Visit UMR’s Find a Provider tool and look for providers with two blue hearts and the Premium Care Physician designation.   
  • Use the Health Cost Estimator – Not all providers charge the same for services. For example, an MRI at a facility attached to a hospital will be more expensive than a standalone facility. Some providers also charge less than others. View estimates for services with the Health Cost Estimator tool under UMR’s Find Cost and Care tab.

• Down Payment Assistance: Hillsborough County
• Down Payment Assistance: Pasco County
• Down Payment Assistance: Pinellas County (includes links to city programs)
• Homebuyer Education Classes: Pinellas County

• Employee Assistance Program (EAP) – Call (866) 248-4096, 24/7 or visit Optum’s Live and Work Well, select Browse with an access code, and enter the code Pinellas for a free 60-minute consultation with a fraud resolution specialist to help restore your identity and get a free ID breach scan.
• Federal Trade Commission
• Pinellas County Consumer Protection 

In addition to the free resources above, employees may purchase an Identify Protection Plan which provides comprehensive identity monitoring, cyber features, and fraud resolution.

• Employee Assistance Program (EAP) – Call (866) 248-4096, 24/7 or visit Optum’s Live and Work Well, select Browse with an access code, and enter the code Pinellas to access free legal forms for wills, power of attorney, and trusts. Select Benefits from the menu at the top, then filter by Financial and Legal. From here, click Legal Forms then click the blue Get Started button next to the document you’d like to create. Free legal consultations are also available.
• Estate and Legacy Planning Basics (Securian Financial video, 46 minutes)
• Guide to Estate Planning: Basics of Wills (Securian Financial)
• Insurance and Protection (Securian Financial)
• Life Insurance (Pinellas County)
• Life Insurance Needs Calculator (Securian Financial)

In addition to the free resources above, employees may purchase Legal Plan insurance which covers a wide range of legal needs including wills and real estate.

General

• 6 Simple Ways to Save Money on Your Prescriptions (Express Scripts)
• Discounted Pharmacy Prices: GoodRx
• Discounted Pharmacy Prices: Single Care
• Discounted Pharmacy Prices: WellRx
• Manufacturer coupons – Contact your medication manufacturer.

Pinellas County Prescription Plan Participants

• Cost Savings Tips
• Smart90 Program for long-term medications

• FEDlogic – Visit the website, call (877) 837-4196, or email services@fedlogicgroup.com to talk with a federal and state benefits expert who can help maximize your retirement benefits including Social Security and Medicare. 
• Florida Retirement System (FRS) – Visit the website or call (866) 446-9377 to speak with a certified financial planner from Monday through Friday 8 a.m. to 6 p.m. Also see live and recorded webinars.
• Wealthspire – Call (800) 959-0071 or email Wealthspire to schedule a free appointment (phone or video) with a financial advisor.

• Travel Assistance Services (Securian Financial/Redpoint) – Pre-trip resources, medical professional locator, hospitalization transport, lost or stolen luggage assistance, evacuation, and emergency transport

• Home Loans for Veterans (U.S. Dept. of Veterans Affairs)
• Life Insurance for Veterans (U.S. Dept. of Veterans Affairs)
• Pinellas County Veterans Services – Helps veterans and their families access state and federal benefits