Zack Hubbard, Director of Financial Planning and Participant Engagement at Greenspring Advisors, discusses innovative financial wellness programs for 401(k) participants. He shares insights on a three-tiered approach that includes education, personalized advice, and support implementation. Zack highlights the importance of cultivating relationships with employees to generate referrals for wealth management services. He also emphasizes training new advisors to enhance their skills and the critical need for balancing technology with human-centered finance.