The employer’s benefit package is at the very core of financial success for an employee.Those who wisely choose among the benefit options save money and increase retirement savings, securing benefits that genuinely fit their needs. Such decisions lead to better personal money management behaviors that maximize the likelihood of financial success throughout their lives. However, the major reasons why employees do not make wise choices among benefit options are lack of basic financial literacy and financial stress. Research shows that one out of four workers report they are seriously distressed and dissatisfied with their financial matters. Financially unwell employees do not make the best decisions for themselves regarding retirement planning, health and dependent care, and other employee benefits.