Series 66

Series 66 Finance Jobs

71 jobs found

Senior Wealth Advisor SAFE ACT

Citi San Francisco, CA

1mo ago

$70k+/yr Full time Senior Act Advisor

Senior Act Advisor

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Job Description

Role overview

The Senior Wealth Advisor SAFE Act is a strategic professional who keeps pace with developments in their field and helps shape directional strategy by applying insights to their role and the business. They are regarded as a technical authority within a specific area of the business and maintain basic commercial awareness. Collaboration with multiple colleagues who provide similar subject matter expertise is common. The role requires refined communication and diplomacy to guide, influence, and persuade others, including colleagues in other areas and occasional external clients. The position carries significant impact on the area through complex deliverables and provides advisory support related to the technology or operations of the business. Work in this capacity affects an entire area, ultimately influencing overall performance and the effectiveness of the sub-function or job family.

Responsibilities

Deliver a broad range of financial and investment services to an Ultra High Net Worth client base in the United States.
Manage accounts of high net worth investors and collaboratively develop financial strategies with Private Bankers.
Conduct sophisticated economic and financial market analyses.
Assess economic trends and activities and advise on their implications for investors' portfolios.
Recommend adjustments to investors' holdings after evaluating economic, financial, and market factors and their potential portfolio impact.
Adhere to a defined prospecting code of conduct: new private client accounts may be acquired only by referral or personal contact with an individual seeking to do business, and seminars, mail campaigns, cold calling, and other solicitation methods are prohibited.
Develop relationships and generate ideas with Bankers and clients to promote growth of the asset base.
Assess risk appropriately in business decisions, safeguarding Citigroup, its clients and assets by ensuring compliance with applicable laws and regulations, following policy, exercising ethical judgment, and reporting control issues with transparency.

Qualifications

6-10 years of experience.
NYSE Series 7 and 66 licenses, with additional licensing as needed.
Proficient in software applications (for example, Microsoft Word, Excel). Knowledge of Bloomberg is a definite asset.
Ability to communicate effectively with colleagues and clients.
Excellent written and verbal communication skills.
Strong financial background.

Education

Bachelor's or University degree; Master's degree preferred.

Job details

Job Family Group: Private Client Coverage

Job Family: Financial Planning Services

Time Type: Full time

Primary Location: San Francisco, California, United States

Primary Location Full Time

Compensation and benefits

Salary Range: $70,000.00 - $70,000.00

In addition to salary, Citi may offer discretionary and formulaic incentive and retention awards to eligible employees. Citi provides competitive benefits, including medical, dental and vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For more information on Citi employee benefits, please visit citibenefits.com. Offerings may vary by jurisdiction, job level, and date of hire.

Posting and skills information

Anticipated Posting Close Date: March 17, 2026

Citi is an equal opportunity employer. Qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity, please review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.

Most Relevant Skills

Please see the requirements listed above.

Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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International Private Bank- Associate Banker- LatAm Brazil

JPMorganChase Miami, FL

1mo ago

Full time MBA Asset Allocation Associate

MBA Asset Allocation Associate

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Job Description

Overview

We are actively seeking exceptionally talented individuals who are collaborative, confident and motivated to deliver a first class client experience within J.P. Morgan's International Private Bank. If you have an entrepreneurial mindset and seek ongoing challenges, J.P. Morgan is the right place for you. You will join a team of skilled colleagues from other markets, businesses and functions to support your career progression.

Responsibilities

Provide support to the Senior Banker on daily client priorities
Assist the Senior Banker during the sales process and ongoing client management, including reviewing and building pitch books, coordinating information, communicating with clients and executing on client needs
Support the Senior Banker with client hierarchy and pipeline management
Assist in the sale of investments, banking and trust services, including asset allocation on structured and managed portfolios, brokerage accounts, portfolio reviews, deposit and loan solutions, basic trust and estate products, and identifying wealth planning opportunities

Required Qualifications, Capabilities, and Skills

Bachelor’s Degree required
Series 7 and 66 licenses required for the position; unlicensed candidates may be considered but must obtain licenses within 90 days of start date
Sales or origination experience
Fluent in English and Portuguese

Preferred Qualifications, Capabilities, and Skills

MBA, JD, CFA, or CFP preferred
Excellent communication skills
Strong analytical and quantitative abilities
Ability to multitask and manage priorities effectively
Ability to learn proprietary software and databases; proficiency with wealth planning software including Planning Station modules, WA models, MAPS/CHART as appropriate

About Us

JPMorgan Chase & Co. is a longstanding financial institution offering innovative financial solutions to millions of consumers, small businesses and many of the world’s leading corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans more than 200 years and we are leaders in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management. We provide a competitive total rewards package including base salary determined by the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in cash and/or forfeitable equity, in recognition of individual achievements and contributions. We offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

Compensation and Benefits

We offer a competitive total rewards package including base salary determined by the role, experience, skill set and location. Eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

Equal Opportunity

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion. We do not discriminate on the basis of protected attributes, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also provide reasonable accommodations for applicants and employees' religious practices and beliefs, as well as mental health or physical disability needs. More information about accommodations is available in our FAQs.

About the Team

J.P. Morgan Asset & Wealth Management delivers industry leading investment management and private banking solutions. Asset Management provides individuals, advisors and institutions with strategies and expertise across the full spectrum of asset classes through our global network of investment professionals. Wealth Management helps individuals, families and foundations take a more intentional approach to their wealth or finances to better define, focus and realize their goals.

Location

Miami, FL 33131

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U.S. Private Bank - Fund Banker - Vice President

JPMorganChase Boston, MA

1mo ago

Full time Alternative Investments Asset Allocation Banker

Alternative Investments Asset Allocation Banker

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Job Description

Position Overview

We are actively seeking exceptionally talented professionals who are collaborative, confident and motivated to deliver a first-class client experience within J.P. Morgan’s U.S. Private Bank. If you bring an entrepreneurial mindset and seek ongoing challenges, this is a compelling environment for your career growth. You will join a team of skilled colleagues from other markets, businesses and functions to support your progression. As a National Client Fund Banker, you will advise Private Equity & Venture Capital Firms on Banking and Lending solutions as well as Cash Management in partnership with local coverage markets. You will apply your knowledge of Investments, Credit and Banking to advise current clients on all aspects of their balance sheet and re-introduce the capabilities of the Private Bank. National Client Fund Bankers manage a large book of clients and operate in a fast-paced setting. You will be part of a national coverage team and backed by an institutional platform with the resources, specialists and intellectual capital to help guide clients toward their goals.

Key Responsibilities

Manage and maintain relationships with a large number of clients by earning trust, understanding client needs, providing targeted advice, developing thoughtful solutions and delivering an exceptional client experience
Advise clients on their overall balance sheet, including asset allocation, investment management, wealth planning, credit and banking needs
Generate client referrals and acquire new assets from existing client base
Re-engage with clients through proactive outreach, marketing follow up and CRM data to introduce the Fund Banking Group and refer opportunities to Fund Bankers in local coverage markets
Partner across the J.P. Morgan Chase & Co. ecosystem to connect clients to the correct partners to meet long term needs
Ensure that proposed solutions fulfill clients' needs and objectives in the short, medium and long term
Strictly adhere to all risk and control policies, regulatory guidelines and security measures

Required Qualifications and Capabilities

Six plus years of work experience in Private Banking or Financial Services
Bachelor’s Degree required
Series 7, 66 unlicensed candidates considered, but required to obtain licenses within 90 days of start date
Proven sales success and strong business acumen
Strong teamwork and ability to work in fast paced environment
Experience or demonstrated understanding of Investments, Credit and Banking concepts
Focused on the client experience and works tirelessly on the client’s behalf

Preferred Qualifications and Capabilities

Proactive, takes initiative, and uses critical thinking to solve problems
Dynamic and credible professional who communicates with clarity and has exceptional presentation skills
Demonstrates strong organizational skills and applies a disciplined and organized approach throughout their business
Experience with and in-depth knowledge of the Equity and Fixed income markets and Alternative Investments, including Hedge Funds, Private Equity, Venture Capital and Real Estate

Compensation and Benefits

We offer a competitive total rewards package including base salary determined by the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

Equal Opportunity Employer

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

About the Team

J.P. Morgan Asset & Wealth Management delivers industry-leading investment management and private banking solutions. Asset Management provides individuals, advisors and institutions with strategies and expertise that span the full spectrum of asset classes through our global network of investment professionals. Wealth Management helps individuals, families and foundations take a more intentional approach to their wealth or finances to better define, focus and realize their goals.

Location

Boston, MA 02110

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JPMorgan Private Client Relationship Manager, Vice President- Los Angeles

JPMorganChase Los Angeles, CA

1mo ago

$150k+/yr Full time Manager Angeles Banking

Manager Angeles Banking

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Job Description

Role Overview

We are seeking a Relationship Manager who excels at building and sustaining relationships with high net worth clients across banking, lending, and investment services. In this role, you will earn client trust, understand needs, offer targeted guidance, craft thoughtful solutions, and deliver an outstanding client experience. You will help clients explore the full range of financial possibilities that wealth enables and coordinate with partners across JPMorgan Chase to address the client’s complete financial picture. Working within a local team, you will collaborate with colleagues across lines of business, leveraging referral networks to connect clients with the firm’s capabilities. The position offers entrepreneurial opportunity and a collaborative environment focused on the bank’s growth in Los Angeles.

Responsibilities

Develop new relationships while managing existing ones, delivering service that consistently exceeds expectations
Identify opportunities to deepen primary banking, investments, and lending relationships; conduct in-person meetings with prospects and clients at their places of business or other external locations
Network with referral sources and other centers of influence outside the office to generate banking and investment opportunities
Build strong internal partnerships across lines of business to meet each client’s specific needs
Ensure proposed solutions align with clients' short, medium, and long-term objectives through a holistic, goals-based planning approach
Strictly follow risk and control policies, regulatory guidelines, and security measures

Required qualifications, capabilities, and skills

Minimum five years of experience in financial services or service sales, with an established high net worth referral network and strong community presence
Proven track record as a trusted relationship builder who delivers an exceptional client experience
Demonstrated success driving sales growth by expanding relationships across multiple product lines and collaborating effectively in a team to provide client solutions
Solid understanding of investments, wealth planning, credit, and banking concepts
Required Licenses: Series 7 and 66 (or 63 and 65). Unlicensed candidates may be considered, but licensing must be obtained within 150 days of the start date

Preferred qualifications, capabilities, and skills

Bachelor’s degree
Experience developing relationships by addressing Home or Business lending needs

Regulatory and compliance information

Federal Deposit Insurance Act: This position is subject to Section 19 of the Federal Deposit Insurance Act. Employment offers are contingent on JPMorgan Chase’s review of criminal conviction history, including pretrial diversions or program entries.

Location and reporting: The role is located in the Los Angeles, California area and will report in the office.

Dodd Frank/Truth in Lending Act: This position meets the qualification requirements for Loan Originators under Dodd-Frank/Truth in Lending Act. Employment offers are contingent on review of criminal history, credit report, information available through NMLS, and other information relevant to evaluating financial responsibility, character, and fitness. A felony conviction within the last seven years disqualifies a candidate. Continued employment requires compliance with Truth in Lending Act and Dodd-Frank Loan Originator requirements.

National Mortgage Licensing System and Registry (NMLS) and SAFE Act: This role requires NMLS registration under the SAFE Act. Upon active employment, you must register on NMLS or update an existing registration to reflect JPMorgan Chase employment. Ongoing employment is contingent on compliance with the SAFE Act, including successful registration after your start date and timely annual renewals and updates. Information gathered during registration or through NMLS notifications may impact employment. Information provided through the Chase online application may be shared with NMLS by JPMorgan Chase. Please review all information for accuracy and consistency with any current NMLS record. Additional information about NMLS and registration requirements can be found at http://mortgage.nationwidelicensingsystem.org/SAFE/Pages/default.aspx

Location and reporting details

This role is based in the Los Angeles, CA area and will report from the office.

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Financial Consultant

Wells Fargo Coeur d'Alene, ID

1mo ago

Full time Brokerage Client Relations Consultant

Brokerage Client Relations Consultant

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Job Description

Overview

Wells Fargo is seeking a Financial Consultant in Wealth and Investment Management as part of Wells Fargo Advisors. Learn more about career areas and business divisions at wellsfargojobs.com. In this role you will work with a Financial Advisor to provide clients with financial guidance aligned to their goals and risk tolerance, meet with clients to gather financial information, assess investment profiles, and evaluate client financial needs. You will advise clients on the pros and cons of different financial products and determine which products best fit their circumstances. The objective is to grow and retain client assets and attract potential new clients. Some responsibilities may be delegated by the Financial Advisor. This Loan Originator (LO) position involves customer contact and duties such as needs assessment and referring customers seeking a dwelling secured product to a SAFE team member. It also includes assisting customers without taking an application and without negotiating dwelling secured transaction terms.

Responsibilities

Collaborate with the Financial Advisor to deliver financial guidance aligned with client goals and risk tolerance.
Meet with clients to collect financial information and assess investment profiles.
Evaluate clients’ financial needs and advise on the advantages and disadvantages of various financial products.
Identify suitable financial products based on clients’ needs and financial situations.
Focus on increasing and retaining existing client assets while pursuing new client opportunities.
May be assigned selected responsibilities by the Financial Advisor.
This LO position involves needs assessment for dwelling secured products and referral to a SAFE team member, without taking applications or negotiating terms.

Required Qualifications

2+ years of Investment Advice experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, or education.
US only: Successfully completed Financial Industry Regulatory Authority (FINRA) Series 7 and 66 (or 63 and 65) examinations (or FINRA recognized equivalents) sufficient to qualify for immediate FINRA registration.

Desired Qualifications

Full-service brokerage experience.
Financial advisement or planning experience.
Client relationship management experience.
Knowledge and understanding of Salesforce, Smart Station or other contact management systems.
Financial services sales experience.
High level of initiative and accountability.
Experience developing and cultivating professional relationships.
Strong verbal, written, and interpersonal communication skills.
Solid organizational, multi-tasking, and prioritizing abilities.

Job Expectations and Licensing

Loan Originator (LO) candidates must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. Requirements include assessing financial responsibility, character, general financial fitness, and criminal background standards. A current credit report will be used to assess financial responsibility and credit fitness, though a credit score is not part of the evaluation. Some candidates will need to complete insurance exams within 90 or 180 days, depending on the number of licenses required, if not immediately available to transfer upon hire. FINRA recognized equivalents will be accepted and communicated at offer acceptance (if applicable).

Obtaining and/or maintaining appropriate FINRA licenses is required for ongoing employment in this position. Compliance with state registration and licensing requirements is mandatory. Additional product licenses or SAFE licensing may apply, along with enhanced financial fitness and criminal background standards. Wells Fargo will initiate the FINRA licensing review process at the time of offer acceptance. For FINRA qualification exams obtained after 9/30/2018, the Securities Industry Essentials (SIE) exam co-requisite may also be required.

Specific compliance policies may apply regarding outside activities and personal investing. Affected employees will need to provide information to the Wells Fargo Personal Account Dealing Team and comply with applicable policy requirements if hired. This position is subject to FINRA background screening requirements. Candidates must successfully complete a background check prior to hire. In accordance with FINRA rules, individuals subject to statutory disqualification are not eligible to be associated with a FINRA registered broker-dealer. Ongoing regulatory obligations include periodic screening and mandatory reporting of certain incidents.

This position is not eligible for Visa sponsorship.

Location and Posting Details

Posting location: 2100 NORTHWEST BLVD STE 180COEUR D ALENE, ID 83814

Posting End Date: 22 Mar 2026

*Job posting may come down early due to volume of applicants.

Equal Opportunity and Inclusion

We Value Equal Opportunity. Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance driven culture which establishes those disciplines as critical to the success of our customers and company. They are responsible for executing risk programs and following Wells Fargo policies and procedures, fulfilling risk and compliance obligations, and escalating and remediating issues as needed. There is emphasis on proactive monitoring, governance, risk identification, escalation, and making sound risk decisions aligned with the business unit's risk appetite and program requirements.

Disability Accommodation and Policy Information

Applicants with Disabilities: Accommodation for applicants with disabilities is available upon request in connection with the recruitment process. To request a medical accommodation during the application or interview process, please visit Disability Inclusion at Wells Fargo.

Drug and Alcohol Policy and Hiring Requirements

Wells Fargo maintains a drug free workplace. Third-Party recordings are prohibited unless authorized by Wells Fargo. Applicants are expected to represent their own experiences during the recruiting and hiring process.

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Financial Advisor Apprentice

OmniGrowth Wealth Professionals Morristown, NJ

1mo ago

$55k - $110k/yr Full time Advisor Apprentice Client Management

Advisor Apprentice Client Management

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Job Description

Overview

Financial Advisor Apprentice is an 18-month residency and financial planning career path located in Morristown, NJ (in person). Target total compensation ranges from $75,000 to $110,000, combining base pay, performance bonuses, and a growth share.

Program Focus and Mission

This intensive residency is designed to transform ambitious candidates into world-class Wealth Planners. It requires a proactive, hands-on approach rather than routine tasks. You will be assigned a client flock whose financial lives you steward. OmniGrowth Wealth Professionals operates from a mission of providing stewardship that inspires and nurtures life successes, guided by our Pillars of Trust and core values of Professionalism, Leadership, and Proactive Empirical Creativity.

Your Year One Objectives

Master the Flock: internalize every member of your assigned client group—their goals, history, and gaps.
The Planning Engine: become proficient in eMoney, Holistiplan, and our proprietary tools and "Choice Architecture" to craft recommendations that truly impact lives.
Efficient Execution: dedicate time to mastering our internal systems and scripts so you are fully efficient and impactful during the day.
Collaborative Hive: work within a team that supports stewardship of peers, clients, and the firm.

Ideal Candidate

We prefer candidates with their Series 7 and 66, but we will sponsor licensing for the right high-achiever. The hard deadline requires full licensing (Series 7, 66/63/65, and Life/Health) by September 30, 2026. The residency program begins June 8, 2026.

Impeccable follow-up: you ensure projects reach completion and nothing falls through the cracks.
Creatively proactive: you set your own weekly objectives and use empirical data to accelerate growth and decisions.
Dedicated: you understand that professional success requires a substantial initial investment of time and energy.

Not a Fit If

You want a conventional 9-to-5 role you can disengage from mentally.
You struggle with the technical rigor of tax brackets, probate funnels, or investment portfolios.
You prefer working in isolation rather than in a high-accountability, group-coaching environment.

Compensation and Growth

The program starts with a compensation package of $75,000 to $110,000, with those who perform well reaching $110,000+ in Year 1. Base salary is $55,000. Controllable bonuses are awarded quarterly and monthly based on hitting technical and cultural milestones, up to 30-50% of the base salary. You also participate in profit sharing tied to the growth of your flock.

Career Path and Progression

Successful completion of the residency leads to a Junior Planner promotion within 12 to 18 months, with a clearly defined path toward Senior Planner and additional advancement opportunities.

How to Apply

Apply via Indeed. Successful applicants will be invited to complete a follow-up assessment focused on our Core Values and the ability to solve complex planning scenarios.

About OmniGrowth Wealth Professionals

We provide the path; you set the pace. This in-person role is based in Morristown, NJ 07960.

Pay and Location Details

Pay: $55,000 to $110,000 per year. Work Location: In person. Location: Morristown, NJ 07960.

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Wealth Advisor, Schwab Wealth Advisory

Charles Schwab San Francisco, CA

1mo ago

$120k - $168k/yr Full time Advisor Advisory CFA

Advisor Advisory CFA

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Job Description

Position Type

Regular

Location

San Francisco, CA 94102

Your opportunity

Schwab invites you to make a meaningful impact on your career. The environment blends innovative thinking with practical problem solving as we aim to challenge the status quo and move the financial industry forward together. We value in-person collaboration and expect the selected candidate to work onsite at the specified location.

As a Wealth Advisor within Schwab Wealth Advisory (SWA), you will join a premier, fee-based, non-discretionary investment advisory service that emphasizes a personal relationship, specialized service, and ongoing guidance aligned with Schwab’s approach to investing. In this fiduciary role within a dedicated SWA team, you will directly influence client outcomes and deliver an exceptional client experience. SWA’s advisory philosophy enables you to utilize a broad spectrum of products, including stocks, bonds, ETFs, mutual funds, separately managed accounts, and option trading, equipping you to manage complex portfolios and help clients reach their objectives. You will grow within an experienced, collaborative team and deepen relationships with various partners, including leading advisors. If you are looking to develop your wealth management expertise within a role that supports client outcomes while aligning with what you love to do, this opportunity may be a strong fit.

What you have

Required Qualifications

Bachelor’s degree
Active FINRA Series 7 license+ (May be obtained with a 120-day condition of employment for certified and current CFP® designation or CFA® designation holders, verified before hire)
Active FINRA Series 66 license+ (May be obtained within the first 120 days)
Three or more years advisory experience, including creating and customizing financial plans and portfolios for clients
Five or more years in the financial services industry working directly with clients

Preferred Qualifications

CFP or CFAS
Superior relationship management and client retention experience
Polished interpersonal, communication and presentation skills, attention to detail

In addition to the salary range, this role is also eligible for bonus or incentive opportunities.

What’s in it for you

At Schwab, you are empowered to shape your career trajectory. We support your growth through meaningful work, ongoing learning, and a culture of trust and collaboration, helping you build the skills to make a lasting impact. Our Hybrid Work and Flexibility approach balances the commitment to workplace flexibility, client service, and the value of being together in person on a regular basis.

401(k) with company match and Employee stock purchase plan
Paid time for vacation, volunteering, and a 28-day sabbatical after every 5 years of service for eligible positions
Paid parental leave and family building benefits
Tuition reimbursement
Health, dental, and vision insurance