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Prioritize your finances
The simple act of taking the time to set small goals that address one financial priority at a time can significantly reduce stress, increase your confidence and bring you closer to achieving financial security — something that everyone aspires to.
Afraid of what you may learn? Don’t let that stop you. Shift your mindset to what you can control and start small.
It could be something as simple as cancelling subscriptions you no longer use (or need) or organizing your bills and getting rid of outdated statements. Or maybe it’s something a little bigger, like tackling credit card debt and paying off balances.
Connect with Edelman Financial Engines for help managing your finances or log in to your Fidelity account to sign up for a one-on-one. After you log in, use the Saba scheduling tool to schedule your session.
More smart money moves
Make it easier to save for retirement
You’re eligible to contribute up to $23,500 to your Sandia 401(k) in 2025. If you’re age 50 or older, you can make annual “catch-up” contributions of up to $7,500 above the annual IRS 401(k) contribution limit.
If you need help investing your 401(k), consider investing in a target date fund or working with Edelman Financial Engines and/or Fidelity.
How a target date fund works
A target date fund offers a hands-off approach to investing. It provides an age-appropriate and diversified mix of stocks and bonds that adjust as your target retirement date approaches. You choose the target date fund that is closest to the year you plan to retire. To review or change your investments, log in to your Fidelity account.
Turn to experts for support with your will or estate plan
It’s important to have a will and/or an estate plan to make sure that your assets go to the people you want to have them when you die. Here are some resources to help you understand what you need to do.
- Fundamentals of wills, trusts and powers of attorney
- Preserving your savings for future generations
- Five steps to create an estate plan
- If you’re enrolled in the voluntary legal insurance plan through Sandia Extras, you have access to no-cost estate planning services through ARAG. Visit the ARAG website (enter access code: 18375san) or call 800-247-4184.
- Connect with a Wellthy care coordinator to learn about legal and financial resources they offer.
- Explore resources available through your Employee Assistance Program (EAP) benefits. For information about who provides your EAP benefits, visit hr.sandia.gov.
Keep in mind that when you enroll in Sandia’s prepaid legal plan as a new employee or during annual benefits open enrollment, you have access to legal expertise, including estate planning, without hefty legal fees. For details, visit mysandiaextras.com or call Corestream at 855-514-8800.
Don’t let financial stress get the better of you
Managing your finances—or someone else’s—can be overwhelming. Take advantage of these Sandia resources to help you.
Edelman Financial Engines
Getting on the right financial path may be easier with support from an investment advisor. In addition to accessing tools and resources through Fidelity, you can use Edelman Financial Engines.
There are two ways to work with Edelman:
- Take advantage of do-it-yourself resources (at no cost to you)
- Work with an advisor to personalize your plan for paying debt and planning for short- and long-term needs (fee-based service)
For more information, visit the Edelman Financial Engines website or call 800-601-5957.
Wellthy
Contact Wellthy for support tackling logistical and administrative tasks for yourself and those you care for. You’ll be matched with a care coordinator who can help you:
- Find financial assistance programs and legal resources
- Appeal and sort through medical bills
- Deal with Social Security, benefits, insurance and tax deductions
- Source professional services, including therapists, in-home support, and eldercare and childcare support
View the full range of Wellthy services available at no cost to you. Get started at wellthy.com/sandia.
Employee Assistance Program (EAP)
Sandia provides an employee assistance program (EAP) that employees and interns can access through Employee Health & Wellbeing Services on-site medical clinics in New Mexico and California.
The clinics are staffed by licensed behavioral health clinicians, so support for emotional well-being is only a call or a few steps away.
Comparable external EAP services (see below) are available for employees and their eligible dependents covered under Sandia medical plans.
Connect to Support
Sandia EAP On-Site Services (Employees Only)
- NM: 505-284-1562
- CA: 925-294-2200
ComPsych GuidanceResources EAP (For Employees and Dependents with BCBSNM Medical Coverage)
- EAP: 844-244-7657
- Behavioral health: 888-898-0070
Optum EAP (For Employees and Dependents with UnitedHealthcare Medical Coverage)
- EAP: 800-622-7276
- Behavioral health: 877-835-9855