August 1. Plan for a lifetime of care for your loved one with special needs or a disability. Explore our resource center for guides on disability and caregiver financial planning . 2. Holidays are often not included in our budgets. Get some tips on how to navigate holiday expenses without sacrificing your financial health. 3. Are you aware that your employer might offer more than just health insurance benefits? Discover our library for education on supplemental health insurance coverages that could potentially be available to you. 4. After years of thoughtful planning and saving, it’s time to consider how you’ll turn your nest egg into lasting income . Explore key factors to build a retirement income strategy that supports the lifestyle you’ve envisioned for your next chapter . Special needs planning Saving for the holidays Explore additional health benefits Retirement Income planning 1. Open enrollment is your opportunity to review and update your workplace benefits for the year ahead. Are you expecting a baby or managing a medical condition? Take time to assess your needs and explore the benefits your employer offers. Be sure to confirm the exact enrollment dates with your employer, as timing can vary. Here is how you can prepare . 2. September is Life Insurance Awareness Month. Here is what you need to know when considering your life insurance needs. 3. September 11 is National 401(k)/403(b) Day. Investing in yourself can bring you closer to living the life you envision in retirement. Consider these tip s when preparing for your future retirement . September Open enrollment Life Insurance Awareness Month National 401(k) /403(b) Day 1. Overspend a bit? Review your credit card debt balances and identify the best method to help you pay your debt down. Explore your option s for paying down your credit cards . 2. Getting married? Enjoy your special day — and when you’re ready, take a moment to review your beneficiaries, update your life and health insurance coverage, and revisit your estate plan and retirement goals to reflect your new chapter. 3. Midyear is a great time to check in on your budget. Are you hitting your spending and savings goals? Do you need to adjust your budget to save more? If you still need a little help, read our articl e for tips on creating your budget . 4. It’s also time to create your budget for back - to - school shopping. Your family might need new clothes, notebooks, pens, pencils or a lunchbox. Keep an eye out for any sales or tax - free shopping. July Manage your debt Check on your budget Getting married? Get ready for back to school 1. October is National Retirement Security Month — a perfect time to check in on your retirement savings, revisit your goals and make sure you’re on track for the future you envision. Log in to your retirement account and use myOrangeMoney® to see if there’s a gap in your savings. If there is, consider increasing your contributions to help close it so you can feel more confident about your future. 2. October 15 is HSA Day. If you are enrolled in a qualifying high - deductible health plan, you can manage your health costs now and in the future with a tax - advantaged health savings account (HSA). Discover the benefits of having an HSA in our article serie s on how you can use it for spending, saving and investing 1 . 3. October is also Cybersecurity Awareness Month. Learn about cybersecurity measures you can take to protect yourself and your Voya assets. 2026 Financial Wellness Calendar October National Retirement Security Month Health Savings Account (HSA) Day Cybersecurity Awareness Month