401(k) Specialist Issue 3 - 2024 - 21

PROFILES IN
PARTICIPANT
OUTCOMES
Implementing Behavioral Finance
to Boost Engagement
How Hub International's Cameron Heger helps younger workers get a head start
on their savings goals
By Amanda Umpierrez
CAMERON HEGER, a retirement plan advisor
with Hub International, didn't originally
believe he would go into financial advising as
a career.
His father, Steve Heger, had co-founded a
financial services company in 1999, and soon
after opened a retirement services division. It
wasn't until 2019, when a colleague of Heger's
father, Ed Gimenez, approached him about
working for the firm.
Around the same time, Heger had seen up
close the consequences that people face in
not saving enough for retirement. In this moment,
he saw an opportunity to help others
avoid similar fates. With a college background
in psychology and sociology, he knew he
could use behavioral finance to teach participants
about the outcomes, and consequences,
in having a lack of financial savings, while
also understanding the daily cost factors that
could get in the way of financial planning.
Heger began training under his mentor,
Gimenez, and obtained advisory licenses
while learning more about the retirement
plan industry. In 2022, his father's company,
Raffa Financial Services, was acquired by
Hub International. Six years later, Heger has
worked with participants in understanding
the significance of savings, while helping employers
build their own successful retirement
plans.
Rather than promote products, Heger
aims to understand how his services could
prompt participants to take action with their
retirement savings. " My goal is to just understand
how we can get employees to look at
ISSUE 3 2024 | 401kSpecialist.com
21
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401(k) Specialist Issue 3 - 2024

Table of Contents for the Digital Edition of 401(k) Specialist Issue 3 - 2024

Table of Contents
401(k) Specialist Issue 3 - 2024 - Cover1
401(k) Specialist Issue 3 - 2024 - Cover2
401(k) Specialist Issue 3 - 2024 - Table of Contents
401(k) Specialist Issue 3 - 2024 - 1
401(k) Specialist Issue 3 - 2024 - 2
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