10 themes to attract crowds for your seminars

Retirement planning is a popular topic among employees. Most Americans don’t know how much they’ll need to retire, while nearly half have absolutely no retirement savings. Seminars are a popular way to attract people for


Retirement planning is a popular topic among employees. Most Americans don’t know how much they’ll need to retire, while nearly half have absolutely no retirement savings.

Seminars are a popular way to attract people for education. They not only provide value to your plan sponsor, but can increase plan participation as well.

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Kris alban Kris Alban is Executive Vice President of iGrad, a San Diego-based financial technology company that provides artificial intelligence-based financial wellness solutions to employers, financial institutions, colleges and universities.

Advisors looking to improve interaction with their plan members can use these 10 hot topics to attract a crowd.

1. The importance of savings

Sometimes it’s best to start with the basics. It might sound like a no-brainer, but the fact is that one-third of Americans have $ 1,000 or less in a savings account. Learning the why is an important step in building savings habits. Try to focus on a variety of reasons for saving, such as emergency funds, college expenses, and retirement.

2. Budgeting

Budgeting goes hand in hand with saving. It increases the amount a person can save by teaching them to track their spending. Seventy-eight percent of people polled in a recent CareerBuilder survey live paycheck to paycheck. This could reduce your clients’ participation in the plan as people opt out to get more cash on hand. Budgeting can help people understand where they are spending their money and how they can save more.

3. The frugal life

Living within your means is an important skill. Like budgeting, it can help create space in a paycheck to save. Spending more than what you earn can lead to debt and financial stress. This stress impacts all aspects of life, including job performance.

4. Retirement planning

Retirement planning is a popular topic among employees. Most Americans don’t know how much they’ll need to retire, while nearly half have absolutely no retirement savings. The importance of saving for retirement cannot be overstated, especially since 22% of Americans don’t think Social Security is likely to be available when they retire. This topic is a great place to focus on things like early savings and compound interest.

5. 401 (k) attribution

Building on the points above, explaining the benefits and inner workings of your 401 (k) program is key to increasing participation. Emphasize the tax advantages and the simplified contribution process. Workers are more likely to save for retirement if they don’t have to think about it.

6. Invest

Many times the only experience Americans have with investing is choosing their 401 (k) allocations. In fact, only 55% of Americans own stocks. This means that a large number of people are missing out on this opportunity. Topics can include the difference between individual stocks and ETFs or mutual funds, and long-term investing versus short-term investing.

7. Planning for college

Planning a children’s college is a popular seminar topic because it applies to a large number of people. Forty percent of Americans are parents. Additionally, college costs have increased exponentially in recent years, making them increasingly difficult to pay. A seminar on how to plan and manage the cost of college education is sure to be popular.

8. Manage debt

There are many types of debt, and it’s important to understand the differences. Credit card debt and mortgage debt can have very different impacts on a person’s equity. This topic is popular because it affects almost everyone. Teaching people how to manage their debt and how interest rates and APRs work will always attract a crowd.

9. Appreciation and amortization of assets

These are big words that intimidate a lot of people, but if you put them in terms that they understand, you’ll find a lot of interest. For example, most people know that the value of a new car drops as soon as you leave it. But they’re still ready to take out big car loans. Highlighting the differences between assets that create wealth, like real estate, and assets that decrease wealth, like cars, can help people increase their net worth.

10. Financial calendar

It is true that many times the expenses strike us unexpectedly; but many expenses are to be expected. A new roof for your home, for example, can be planned years in advance. By establishing a schedule of these known expenses, people can avoid going into debt or reducing their savings.

Your seminars don’t need to be around 401 (k) attendance. Covering a wide range of topics will help attract more people. This, in turn, will help boost plan participation and provide additional value to your employer clients.

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