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Agenda and Speakers

Financial Wellness and Retirement Readiness 2018Feb 21–22, 2018 Toronto

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Wednesday, February 21, 2018

7:45 AM Registration and Continental Breakfast
8:15 AM Opening Remarks from the Chair
Brewer <br />  
Executive Program Developer
The Conference Board of Canada
8:30 AM Plenary Session 1
Original Conference Board of Canada Research: Money on the Mind. The Design and Impact of Employer-Sponsored Financial Wellness Programs

It's important to understand the key components of an effective financial wellness program. In this session, you will hear about the Conference Board's latest research into employee financial wellness. Made possible through the financial support of Sun Life Financial, this report examines the state of financial wellness programming in Canadian organizations. It explores the tools and initiatives organizations are implementing, as well as the communication methods they use to disseminate information. The report also discusses challenges, next steps, and programming outcomes.

Thériault <br />  
Vice-President, Policy Research
Innovative Medicines Canada
9:15 AM Plenary Session 2
Empowering Employees to Improve Financial Wellness: Moving from Knowledge to Action

Many employers think of financial wellness as being prepared for retirement. And it certainly is that, but it's also much more. We know that health is integrated - mental, physical and financial. There are countless studies that prove it. The issue is that the financial wellness component - which can include everything from budgeting, to building an emergency fund, to retirement planning - is often overlooked when workplace health strategies are put in place.

This session will look at the need for financial wellness support in the workplace, and why it should matter to employees and employers both. You will hear about some strategies that employers can put in action to help employees improve financial wellness - including an in depth case study.

Elia <br />  
Assistant Vice-President, Integrated Health Solutions
Sun Life Financial
10:00 AM Networking Break
10:30 AM Plenary Session 3
Why Financial Education Isn't Enough: a Different Approach to get Different Results

While important, education and financial literacy programs aren't enough to help the large percentage of Canadians who are financially unwell. Manulife's latest research reveals that the impacts of emotional barriers to financial wellness are far-reaching. Innovative approaches are needed to help people overcome financial stigma so they can seek help with their finances. We need to shift the conversation - we all have a role to play.

Callaghan <br />  
Vice-President of Strategy, Marketing & Communications, Institutional Markets
Manulife Financial
11:15 AM Plenary Session 4
Developing Financial Wellness Among Your Millennial Workforce

For many employers millennials make up the largest generation in their workforce while most of their efforts are directed at boomers and retirement readiness.

While obviously continuing to address the needs of boomers, progressive employers recognize the need to tailor financial wellness initiatives to the younger cohort and realize the value in terms of engagement and retention. Moving beyond the stereotypes this session will discuss the specific needs of millennials and how you can effectively reach them and improve their financial literacy and wellness

Smith <br />  
Head, Business Development and Partnerships
12:15 PM Networking Luncheon
1:15 PM Plenary Session 5
Identity Theft: What You and Your Employees Need to Know

Identity thieves once stole a total $500,000 by pretending to be Jennifer Fiddian-Green.

Her story is worth hearing if you want to understand the risks that arise when your personal information is stolen and the stress that can arise from this crime. We're told endlessly to keep our data private so identity thieves can't get it. But a data breach at the credit monitoring company Equifax highlights the way people can be vulnerable through no fault of their own.

Ms. Fiddian-Green, a forensic accountant at Grant Thornton LLP, isn't sure how her personal information was stolen back in 2006. But she does know the thieves were able to secure two mortgages in her name that netted them $500,000.

In investigating her own case, she learned that the thieves tried to borrow money at 12 or more financial companies. "Ten times, these institutions said "no, this is not a good application, get rid of it," she said. "But two of them [a bank and a mortgage lender] let it go through." She realized this only after one of the lenders came looking for repayment." Rob Carrick, The Globe and Mail, Sept 18, 2017.

Identity theft can devastate an employee's finances, causing untold stress and taking years to recover. And while the recent hack of Equifax has raised the profile of this issue, it also almost guarantees that more people will be victimized.

Does your financial wellness include educating employees about identity theft? It should and this session will help you understand why.

Fiddian-Green <br />  
National Forensics and Financial Services Partner
Grant Thornton LLP
2:15 PM Refreshment Break
2:30 PM Plenary Session 6
Reflections on the Gender Dimension of Financial Wellbeing

A recent survey by Financial Finesse in the US showed that showed that women feel less confident about their investment decisions than men, have saved less for retirement and overspend more than men. Yet women live longer than men so need to save more.

Caroline Cakebread has been advocating for more involvement by employers in this area for years. As a regular columnist in Chatelaine, and Editor of the Canadian Investment Review, Caroline is well positioned to tackle this topic and bring you insights from her experience.

Cakebread <br />  
Financial Literacy Expert, Editor, Canadian Investment Review
Personal Financial Columnist, Chatelaine Magazine
3:15 PM Plenary Session 7
The Psychology of Scarcity & Poverty: How Financial Stress Distorts Decision Making

Financial stress literally changes how people see the world and how they make decisions.

This session will demonstrate the truth behind that statement as Jiaying Zhao shares his research into the psychology of scarcity. Through studies of Princeton undergraduates, sugar cane farmers and fruit and flower vendors in India, as well as shoppers in a US mall, researchers have uncovered the subtle and not so subtle ways that a shortage of money or other resources distorts decision making. This helps explain why people take out pay day type loans and frequently act in ways that mitigate against improving their financial well-being.

Zhao <br />  
Canada Research Chair in Behavioral Sustainability, Assistant Professor, Department of Psychology, Institute for Resources, Environment and Sustainability
University of British Columbia
3:45 PM Plenary Session 8
Money Fit—A Key Element to Overall Well-Being

There is a strong connection between financial well-being and overall health. The Money Fit challenge aims to help Canadians learn more and take important small steps to improve their own personal financial well-being. Money Fit is the first rewards-based national challenge with the intent to improve financial literacy of Canadians.

Cookson <br />  
BestLifeRewarded Innovations
4:15 PM Closing Remarks from the Chair
Brewer <br />  
Executive Program Developer
The Conference Board of Canada
4:45 PM Day One Adjourns

Thursday, February 22, 2018

8:00 AM Continental Breakfast
8:30 AM Opening Remarks from the Chair
Brewer <br />  
Executive Program Developer
The Conference Board of Canada
8:45 AM Plenary Session 9
Redefining Retirement: From Productivity to Purpose

When people and employers think about retirement they naturally think about finances - front of mind is always "Do I have enough money saved…?"

This is obviously a vital question, but it is important to see the transition to retirement not simply as a financial event but a psychological and social watershed. The question is not just, "Do I have enough money?" but, "What's next?"

This session will explore what it means to retire and how retirees can remain engaged with their organizations, develop new connections with their community and replace the corporate quest for productivity and profits with a life driven by purpose.

Grossett <br />  
Partner and Vice-President, Business Development
My Next Season Canada
9:30 AM Plenary Session 10
Nudging Employees to Financial Wellness: Increasing Financial Wellbeing Through Changing Behaviour

When properly applied, education and incentives can each help employees improve their financial well-being. Many organizations know this and are looking for ways to increase their effectiveness in this area. Nudging can help.

In this session, you will learn how you can leverage the principles of behavioural economics to help "nudge" employees to making better decisions and develop healthier behaviors, often at little or no cost to your organization.

Peters <br />  
Chief Executive Officer and Managing Partner
BEworks Inc.
10:15 AM Refreshment Break
10:30 AM Plenary Session 11
Counseling Employees on Debt and Helping Them Become Debt Free

One of the biggest financial stressors employees experience is debt. And while debt has become a common part of almost everyone's financial lives, few are truly "debt literate" and too many become overwhelmed and enter into an unhealthy spiral of borrowing. Add to this the immense stigma associated with debt and it is clear this is an area to which employers need to devote more resources.

As head of not-for-profit Credit Canada, Laurie will explore the issue of debt, how it affects people and the resources available to help employees overcome this problem.

Campbell <br />  
Chief Executive Officer
Credit Canada
11:15 AM Plenary Session 12
Closing Discussion: Financial Health and the Impact on Total Employee Wellness, Engagement, and Productivity

Companies that focus on employee health and financial well-being are improving overall workforce productivity, gaining a competitive edge over their peers and improving their ability to attract and retain talent. Building from the previous session, this panel discussion will examine first-hand the best practices implemented by leading companies and how their employee financial wellness programs have helped to increased employee engagement and improve work-force productivity.

Galopoulos <br />  
Healthy Workplace Coordinator
Hamilton Health Sciences
Trahair <br />  
CPA, Personal Finance Writer, Trainer, Content Developer
12:00 PM Closing Remarks from the Chair
Brewer <br />  
Executive Program Developer
The Conference Board of Canada
12:15 PM Conference Adjourns


We’d like to thank our generous partners and sponsors for their contribution to this event.

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The details of this event are subject to change. Please revisit this page periodically for updated information.