Participant Insights

Portfolio rebalancing, how to budget your money, what’s an HSA and who needs one? Preparing for retirement is hard. From personal finance basics to retirement planning and everything in between, we’ve got a few ideas to make life a little simpler. Contact MCF with any questions.

Financial Wellness

Sticky Saving Goals to Suit Your Personality

March 8, 2026 Financial Wellness

The start of a new year is a natural time to set fresh financial resolutions, but unfortunately most don’t last past February. One reason may be that our money goals often don’t align with the way we naturally think or how we stay motivated once the initial enthusiasm fades. A study of more than 2,400 individuals published by American Psychologist found that people tend to save more successfully when their savings goals fit their personality — specifically their “Big Five” personality traits. Here’s how higher levels of these traits may influence everyday saving behavior…

Staying Financially Grounded This Season

December 16, 2025 Financial Wellness

As the year winds down, it’s easy for spending to ramp up. From travel and celebrations to those endless online deals that pop up in your feed. But even small splurges can add up fast. According to a recent survey by Achieve and Talker Research, 65% of Americans say they are stressed about their holiday spending, and 73% say that financial stress detracts from their enjoyment of the season. If you’re hoping to enjoy the season and keep your finances on track, here are three simple ways to find balance:

Talking Money With Your Aging Parents

November 4, 2025 Financial Wellness

There’s a good chance you will have to get involved with your parents’ finances as they age. One in four adults say their parents rely on them for financial support.1 Your parents might need help managing their money or could rely on you for financial support if their retirement savings fall short. Regardless of the situation, being prepared for these conversations is crucial to avoiding potential challenges. The tips below can help you gain peace of mind and help ensure you’re equipped to assist with their financial matters if necessary.

In-Transition Checklist for Divorcees and Widows

September 26, 2025 Financial Wellness

Ending a marriage or losing a partner can be a complicated and emotional time. If you are going through a separation from your spouse or grieving the loss of your loved one, you can take steps to take control and help protect your future.

When is Risk Too Much?

July 28, 2025 Financial Wellness

Knowing when risk is too much is crucial to maintaining a healthy investment strategy. Asset allocation helps strike the right balance between growth and stability, ensuring your portfolio aligns with your goals and tolerance for risk.

Generation Z in Retirement

May 2, 2025 Financial Wellness

It’s clear that Generation Z is entering a very different landscape compared to prior generations. Born roughly between 1997 and 2012, Generation Z is just starting their careers and already thinking about retirement—often with a sense of uncertainty. While it’s encouraging to see interest in long-term financial health, several challenges stand in their way.