Welcome to the Financial Wellness Center

Learn what you need to know about tax brackets, when to review your withholding and how to avoid common tax scams.

• How Income Taxes Work
  Learn how income taxes are calculated and how the various tax brackets are applied.
• Tax Credits and Tax Deductions
  An over view of the difference between the two terms including an outline of popular tax credits.
• When to Review Your Tax Withholding
  Knowing when to adjust your tax withholding is crucial to managing your tax liability and avoiding unexpected tax bills or refunds.
• Preparing to File Your Tax Return
  How to assemble required documents, explore potential ways to reduce the amount of tax you owe, and choose your filing method.
• Avoiding (and Fixing) Common Tax Errors
  Mistakes on tax forms aren't unusual. Learn the most common errors and how to fix them.
• Avoiding Tax Scams
  Learn how to identify and avoid common tax-related scams.
• Reducing Your Tax Bill by Saving Money
  Saving for retirement can be a smart way to reduce your tax bill while planning for your financial security.
• Making the Most of a Tax Refund
  Far from "mad money," an income tax refund is money you earned through hard work. Learn how to put it to work.

An overview of identity theft, including strategies for preventing it and what to do if it happens to you.

• Identity Theft
  Understanding ID theft and how to prevent it.
• Social Media and Identity Theft
  What you reveal online can compromise your personal and financial security.
• Medical Identity Theft
  Medical identity theft is a little-known form of identity theft with consequences affecting more than just your wallet.
• Avoiding Identity Theft
  The three Ds of identity protection: Deter, Detect and Defend.
• Protecting Your Digital Information
  There are many data backup solutions designed to protect personal information that vary in their security and ease of use.
• Dealing with Identity Theft
  Understanding the different types of identity theft and what to do in each scenario.

Understanding the common types of insurance, including auto, renters, health, plus more.

• Insurance
  Understanding how insurance plays an important role in our financial lives.
• Auto Insurance
  A review of the major types of auto insurance, factors influencing cost, and choosing a policy that's right for you.
• Life Insurance
  Who needs life insurance, types of policies, and how to determine coverage.
• Renter's Insurance
  Understanding the benefits (and potential pitfalls) of this type of inexpensive insurance.
• Health Insurance
  The various health insurance choices.
• Disability Insurance
  The benefits and costs of these often complex policies.

From setting goals to paying off loans, the basics of effective budget management.

• Setting Goals
  Setting financial goals offers the chance to step back from everyday pressures, allowing us to think about how we’d like to be rather than how we are.
• Debt and the Pressure to Spend
  It’s wonderful to have the freedom to buy so many products, but unless you’re rich, the key to happy spending is planned spending.
• Nudging Yourself Toward Your Goals
  No matter what your financial goal, it's important to have an accountability system in place.
• Introduction to Budgeting
  Why budgeting is important, no matter how much money you earn.
• Income and Expenses
  A big part of budgeting is identifying income and listing expenses.
• Making Sense of Your Budget
  After you've identified your income and tracked your spending, it's time to compare the numbers, gain perspective, set priorities, and make changes.
• Tracking Your Spending
  Tracking your money can be a powerful way to spot unplanned spending.
• How to Improve Cash Flow
  Cash flow is a key indicator of your financial health.
• Money Saving Ideas
  Looking for ideas for ways to save money? Almost everyone can find a way to save using at least one of these tips.