Chamber Lunch & Learn: Understanding Your Work Benefits
Understanding Your Work Benefits: Making the Most of What You’ve Earned
Most people don’t fully understand the value hidden inside their workplace benefits — and it can cost thousands over time. This session will break down the fine print and help you get the most out of what your employer already provides.
What you’ll learn:
- How to maximize your retirement plan (401k/403b, pensions, and matches)
- Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) explained simply
- Insurance options at work: what to keep and what to supplement
- Lesser-known perks: tuition reimbursement, commuter benefits, stock purchase plans
- A framework for reviewing your benefits each year and the right questions to ask HR
About the Speaker
Josh Morales has worked in the financial services industry for over 10 years as an investment portfolio manager, advisor, and financial planner. His dream was to create a firm that provided a fiduciary-level service model for more than just millionaires — making high-quality financial guidance accessible to working families and small business owners.
About Nest Financial
Nest Financial is a fee-only fiduciary planning firm located in Raytown’s central business district. We specialize in serving the “99%” — the people too often overlooked by traditional wealth management. Our mission is to empower people with financial knowledge, simplify the intimidating, and build long-term security through practical planning.
At Nest, we believe financial advice shouldn’t be reserved for the wealthy. We provide the same level of care and fiduciary responsibility as large firms, but designed for everyday households who want to feel safe, secure, and confident in their future.
Event Sponsors
Date and Time
Tuesday Nov 4, 2025
11:30 AM - 12:30 PM CST
Location
Raytown Chamber of Commerce & Tourism Office
[In-person]
Fees/Admission
$15/person, includes lunch
Register by October 31, 2025
Contact Information
816-353-8500
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