MODERATE & HIGH COST WELLCENTSTM WellCentsTM is a financial wellness solution that helps employees develop financial confidence and remove barriers that prohibit them from reaching their financial goals. The program provides: ▪ Personal financial assessments and planning guidance ▪ One-on-one consultations with an IMA Wealth advisor focused on establishing a personalized financial plan, including action items, based upon the employee’s unique financial priorities ▪ Coordinated advice that integrates an employer’s available benefits offerings ▪ Tailored group education meetings to address the workforce’s specific areas of interest ▪ Mobile app hub for employees to complete assessments, schedule one-on- one sessions, and follow action plans ▪ Employer reporting that provides insights into the workforce’s financial challenges and measures overall wellness