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"content": [

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"text": "There's a conversation every entrepreneur and executive knows well. "

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"text": "An employee asks for a meeting, walks in with the look of someone who has already decided what to say: "

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"text": "\"I'd like to talk about my salary.\""

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"text": "You listen, do the math, sometimes find a way to meet them halfway, sometimes you don't. Either way, something stays unresolved. The feeling that in a few months it could start again is almost always well-founded — but not because the salary is wrong."

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"text": "the most direct financial tie is you"

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"content": [

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"text": "Why your employees' financial questions are your concern"

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"content": [

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"text": "This position exists whether or not you sought it out."

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"text": "Some questions always come up, for example:"

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"text": "During onboarding:"

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"text": " "

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"marks": [

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"type": "bold"

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{

"type": "italic"

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],

"text": "\"what do I do with my severance pay? how do I choose a Pension Fund?\""

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]

}

]

},

{

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"text": "In times of financial uncertainty: "

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"marks": [

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"type": "italic"

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],

"text": "\""

},

{

"type": "text",

"marks": [

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"type": "bold"

},

{

"type": "italic"

}

],

"text": "I have an unexpected expense — is a salary-backed loan a good idea?\""

}

]

}

]

},

{

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"content": [

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"attrs": {

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"content": [

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"text": "In moments of confusion: "

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"marks": [

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"type": "bold"

},

{

"type": "italic"

}

],

"text": "\"how are pension fund returns taxed? how do I read my payslip?\""

}

]

}

]

}

]

},

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"attrs": {

"textAlign": null

}

},

{

"type": "paragraph",

"attrs": {

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},

{

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"content": [

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"text": "Other questions go unspoken:"

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"text": "Facing major uncertainties: "

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"marks": [

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"type": "bold"

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{

"type": "italic"

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],

"text": "\"am I doing everything right for retirement? should I invest my savings?\""

}

]

}

]

},

{

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"content": [

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"attrs": {

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"content": [

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"text": "At an important life moment: "

},

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"marks": [

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"type": "bold"

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{

"type": "italic"

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],

"text": "\"I need to move — is it better to rent or get a mortgage?\""

}

]

}

]

},

{

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"content": [

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"attrs": {

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},

"content": [

{

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"text": "Etc."

}

]

}

]

}

]

},

{

"type": "paragraph",

"attrs": {

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}

},

{

"type": "paragraph",

"attrs": {

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}

},

{

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"content": [

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"text": "Is whoever receives these questions actually equipped to answer them competently — helping the individual find their own answer?"

}

]

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"content": [

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"text": "When they are not, two things happen. Employees make consequential financial decisions based on partial information:"

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"content": [

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"content": [

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"type": "paragraph",

"attrs": {

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"content": [

{

"type": "text",

"text": "Their bank, incentivised by the products (funds, policies, etc.) it needs to sell:"

}

]

}

]

},

{

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"content": [

{

"type": "paragraph",

"attrs": {

"textAlign": null

},

"content": [

{

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"text": "The internet, which produces generic information applied to specific situations."

}

]

},

{

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"attrs": {

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}

}

]

}

]

},

{

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"attrs": {

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"content": [

{

"type": "text",

"marks": [

{

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],

"text": "And the pay rise request becomes the way they try to compensate for an uncertainty they cannot manage anywhere else."

}

]

},

{

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"attrs": {

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},

{

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"content": [

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"text": "According to the "

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"attrs": {

"href": "https://www.bancaditalia.it/pubblicazioni/indagini-alfabetizzazione/2023-indagini-alfabetizzazione/index.html?dotcache=refresh",

"uuid": null,

"linktype": "url",

"target": "_self",

"anchor": null

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],

"text": "Bank of Italy 2023 survey"

},

{

"type": "text",

"text": ", conducted on a sample of 5,000 adults using OECD methodology, Italians score 10.7 out of 20 on the financial literacy index."

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]

},

{

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"attrs": {

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},

{

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"attrs": {

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"content": [

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],

"text": "Specific knowledge on topics such as inflation, interest rates and risk diversification has actually deteriorated since 2020"

},

{

"type": "text",

"text": "."

}

]

},

{

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"attrs": {

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}

},

{

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"content": [

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"text": "In short, "

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"text": "Italy ranks among the most financially illiterate countries in the OECD area, and your employees lack the tools to answer meaningful financial questions"

},

{

"type": "text",

"text": "."

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]

},

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"attrs": {

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},

{

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"attrs": {

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},

{

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"content": [

{

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"text": "What is corporate financial wellbeing"

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]

},

{

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"attrs": {

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"content": [

{

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"text": ""

},

{

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"marks": [

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],

"text": "Corporate financial wellbeing"

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{

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"text": " is an organisation's choice to offer its employees access to "

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{

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"marks": [

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],

"text": "professional, independent financial guidance"

},

{

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"text": ", as part of the benefits package."

}

]

},

{

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"attrs": {

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}

},

{

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"attrs": {

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"content": [

{

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"text": "This is not about direct financial benefits (bonuses, pay rises, fringe benefits), nor generic training programmes on the topic of money. The point is different: giving every employee a "

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{

"type": "text",

"marks": [

{

"type": "bold"

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],

"text": "qualified reference for their personal financial decisions "

},

{

"type": "text",

"text": "(pension fund, severance pay, savings, mortgage, family planning) who works in the person's interest."

}

]

},

{

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"attrs": {

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}

},

{

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"attrs": {

"textAlign": null

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"content": [

{

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"text": "In more financially literate countries, it is already a standard component of corporate welfare. In Italy it is still in its early stages. Those who introduce it now have a"

},

{

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"marks": [

{

"type": "bold"

}

],

"text": " genuine positioning advantage in the labour market"

},

{

"type": "text",

"text": "."

}

]

},

{

"type": "paragraph",

"attrs": {

"textAlign": null

}

},

{

"type": "paragraph",

"attrs": {

"textAlign": null

}

},

{

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"attrs": {

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"level": 2

},

"content": [

{

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"text": "Financial planning and financial education: they are not the same thing"

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]

},

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"content": [

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"text": "The distinction matters, and it is worth drawing clearly."

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]

},

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"attrs": {

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},

{

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"attrs": {

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"content": [

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"type": "text",

"marks": [

{

"type": "bold"

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],

"text": "Financial education"

},

{

"type": "text",

"text": " teaches general principles: how a pension fund works, what severance pay is, how to build a budget. It is useful as a starting point."

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]

},

{

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"attrs": {

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},

{

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"attrs": {

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"content": [

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"marks": [

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"text": "Financial planning"

},

{

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"text": " starts from the concrete situation of a specific person: how much they earn, what they have accumulated, what they want to achieve, what choices lie ahead. The planner neither sells nor recommends products. They build a plan. The practical difference is the same as that between reading a nutrition manual and having a dietician who knows your medical history."

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]

},

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"attrs": {

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},

{

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"attrs": {

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"content": [

{

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"text": "Almost everything being offered to companies today on the topic of \"financial wellbeing\" is financial education: group webinars, online courses, educational content or 1:1 coaching. This is precisely why results are rarely seen. The employee learns something generic, then goes back to their problem without knowing how to apply it."

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]

},

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},

{

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},

{

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"content": [

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"text": "How it works in practice"

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]

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"content": [

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"marks": [

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"text": "Nearly 6 in 10 Italians experience financial stress at least once a week"

},

{

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"text": ". Only 2.8% have ever spoken with a professional to address it. The rest manage alone, or don't manage at all. (Source: "

},

{

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{

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"attrs": {

"href": "https://www.unobravo.com/dati/indagine-su-stress-finanziario",

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"target": "_self",

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],

"text": "Unobravo"

},

{

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"text": ")"

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]

},

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"attrs": {

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}

},

{

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"content": [

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"text": "Each employee has access to "

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{

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"marks": [

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],

"text": "individual sessions with a certified financial planner"

},

{

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"text": " (e.g., CFP® or Certified Financial Planner™), the international benchmark certification for personal financial planning."

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},

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"content": [

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"text": "No financial products to sell or recommend"

}

]

}

]

},

{

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"content": [

{

"type": "paragraph",

"attrs": {

"textAlign": null

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"content": [

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"text": "No ties to banks or insurance companies"

}

]

}

]

},

{

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"content": [

{

"type": "paragraph",

"attrs": {

"textAlign": null

},

"content": [

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"text": "A conversation about the person's real situation: severance pay, pension fund, savings, the choices they face"

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]

}

]

},

{

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"content": [

{

"type": "paragraph",

"attrs": {

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"content": [

{

"type": "text",

"text": "Support in decision-making"

}

]

}

]

}

]

},

{

"type": "paragraph",

"attrs": {

"textAlign": null

}

},

{

"type": "paragraph",

"attrs": {

"textAlign": null

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"content": [

{

"type": "text",

"marks": [

{

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],

"text": "The outcome is a concrete plan"

},

{

"type": "text",

"text": " — not a course, not a resource kit, not a budgeting app."

}

]

},

{

"type": "paragraph",

"attrs": {

"textAlign": null

}

},

{

"type": "paragraph",

"attrs": {

"textAlign": null

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"content": [

{

"type": "text",

"marks": [

{

"type": "bold"

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],

"text": "For the company, this means lifting a burden from the desk that was never yours to carry"

},

{

"type": "text",

"text": ". The questions come regardless — the difference is whether someone trained to handle them is the one doing so."

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]

},

{

"type": "paragraph",

"attrs": {

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}

},

{

"type": "paragraph",

"attrs": {

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}

},

{

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"attrs": {

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"level": 2

},

"content": [

{

"type": "text",

"text": "The pension context: what changes from 1 July 2026"

}

]

},

{

"type": "paragraph",

"attrs": {

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"content": [

{

"type": "text",

"text": "From 1 July 2026, new hires will have 60 days (instead of six months) to decide where to allocate their severance pay. Those who do not choose within that window are automatically enrolled in the sector fund."

}

]

},

{

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"attrs": {

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}

},

{

"type": "paragraph",

"attrs": {

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"content": [

{

"type": "text",

"text": "The context makes this deadline more urgent than it appears. According to the "

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{

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"attrs": {

"href": "https://www.covip.it/la-covip-e-la-sua-attivita/pubblicazioni-statistiche/relazioni-annuali",

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"linktype": "url",

"target": "_self",

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],

"text": "COVIP Annual Report 2024"

},

{

"type": "text",

"text": ", today only 38.3% of the Italian workforce participates in a supplementary pension scheme. Since 2007 (when the silent consent mechanism was introduced), of the €438 billion in severance pay generated, more than half has remained held in company accounts or at the INPS Treasury Fund, never reaching supplementary pensions."

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]

},

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},

{

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"content": [

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"text": "Sixty days is a short window for a decision that impacts decades of pension accumulation. "

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],

"text": "Employees who have no competent reference point will tend not to choose, or to choose without understanding what they are choosing"

},

{

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"text": "."

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]

},

{

"type": "paragraph",

"attrs": {

"textAlign": null

}

},

{

"type": "paragraph",

"attrs": {

"textAlign": null

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},

{

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"attrs": {

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"level": 2

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"content": [

{

"type": "text",

"text": "The tax benefits"

}

]

},

{

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"attrs": {

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"content": [

{

"type": "text",

"text": "If the service is structured within the scope of employee professional training, "

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{

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"marks": [

{

"type": "bold"

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],

"text": "the related costs may be deductible from business income under the Italian Tax Code (TUIR)"

},

{

"type": "text",

"text": ". The nominal cost and the actual cost do not coincide. It is worth checking with your tax advisor how to classify and structure the service based on your company's legal form."

}

]

},

{

"type": "paragraph",

"attrs": {

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},

{

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},

{

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"level": 2

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"content": [

{

"type": "text",

"text": "Weltis Business: the financial planning service for Italian companies"

}

]

},

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"content": [

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"text": "Weltis"

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"type": "text",

"text": " is an "

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],

"text": "independent financial planning"

},

{

"type": "text",

"text": " company operating in Italy. "

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"attrs": {

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"content": [

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"type": "text",

"text": "With "

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{

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"marks": [

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],

"text": "Weltis Business"

},

{

"type": "text",

"text": ", individual financial planning becomes part of the corporate benefits package: every employee has access to a certified planner (CFP® or equivalent) who works exclusively for them, with no products to place and no conflicts of interest."

}

]

},

{

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"attrs": {

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},

{

"type": "paragraph",

"attrs": {

"textAlign": null

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"content": [

{

"type": "text",

"text": "Weltis Business already works with "

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{

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"marks": [

{

"type": "bold"

}

],

"text": "large organisations"

},

{

"type": "text",

"text": " with a structured HR department, including Sky Italia, Autostrade Per L'Italia, Coop Italia and many others."

}

]

},

{

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"attrs": {

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