The Power of Smart Investing: Aadesh’s Story

For HR and Benefits leaders, Aadesh’s experience shows how financial wellbeing programs help employees turn available benefits into confident, informed action. He already had access to an HSA and a 401(k), yet he did not fully understand how to use them in a way that supported his long term goals. With personalized guidance from LearnLux, he learned how to invest strategically, reduce his tax burden, and build a clearer path toward retirement.

Through LearnLux, Aadesh was able to:

• Learn how an HSA works as a triple tax advantaged account, including pre tax contributions, tax free growth, and tax free withdrawals for qualified expenses
• Understand how HSA investing lowers taxable income and creates financial benefits for both employees and employers
• Gain clarity on tax efficient planning and how to use specific strategies to support long term goals
• Strengthen his investment approach through portfolio diversification
• Increase confidence in his retirement path and understand where his money is going
• Turn uncertainty about employer sponsored benefits into clear, informed decision making

Aadesh’s progress demonstrates how financial wellbeing programs shift employees from passive awareness to active engagement. When individuals understand the tax advantages and long term value of benefits like HSAs and 401(k)s, they make better decisions, experience less financial stress, and participate more fully in the benefits their employer provides. For organizations, this leads to stronger retention, higher benefits utilization, and a more financially secure workforce.

Hi, my name is Aadesh and I'm here to share about my journey with LearnLux. Before I started using it, I had access to financial tools like an HSA, but I wasn't sure how to use them except for just letting my money sit in there. After I met with a financial planner at LearnLux, things really started to click.

They helped me understand how I could invest my funds in HSA, which was completely new to me. I was already contributing to my 401(k) account, but after knowing my financials, they suggested that I can invest money into a Roth IRA as well. But since my income was above limit for directly contributing to a Roth IRA, they introduced me to a backdoor Roth strategy.

It was a game changer, and I had never heard about that before. They also helped me understand more about taxes and provide clarity on how I could diversify my investment portfolio. I feel really confident about where my money is going and how it's working for me. Honestly, I'm pretty confident about my financial health and it looks like I'm on track to hit my retirement goals.

Big thanks to LearnLux for helping me get there.

Thank you Aadesh for sharing your LearnLux story!