Following a lengthy career in Human Resources, with experience in all functional areas of Human Resources and a heavy emphasis in employee benefits, it became clear to me that employees often make poor choices relative to their benefit options; especially those benefit options that can have a significant financial impact, (i.e., medical plans, flexible spending accounts, 401(k) and defined benefit pension plans). And poor financial choices, whether related to employee benefits or day to day personal finances, can lead to financial stress which, in turn, can lead to disrupted lives and, if not checked, ultimately to physical disease. As a result of my Human Resources experience and the cur...