Ayco Financial Well-Being

Be confident in your financial decisions at every step.

CF Industries employees have access to a comprehensive and confidential Personal Financial Management program as part of their benefits package. Ayco offers personalized financial guidance and a holistic assessment of your finances now and in the future. Ayco can also help with daily financial matters such as managing debt as well as planning for life events like buying or refinancing a home.

Ways Ayco Can Help You:

  • One-on-one financial coaching to discuss strategies and challenges you’d like to address
  • Tools to map out financial goals and track progress
  • Remote or in-person group education to help you learn how to navigate financial changes and challenges
  • Resources to prepare you for the next steps on your financial journey

Get Started Now

  • Log in to Ayco’s Financial Wellness Site.
    • First-time users: go to the bottom of the page and click Create Account. Enter your Employee ID, last name and zip code to register and create an account.
    • Returning users: Enter your username and password to log in.
  • Take the Financial Wellness Assessment.
  • Review the recommended financial to-do’s and choose a priority to focus on.
  • Connect with a financial coach by scheduling an appointment or calling 800-527-0012.

The Ayco Company, L.P. d/b/a Goldman Sachs Ayco Personal Financial Management (“Ayco”), a registered investment adviser and an affiliate of Goldman Sachs & Co. LLC (“GS&Co.”) and subsidiary of The Goldman Sachs Group, Inc., a worldwide, full-service investment banking, broker-dealer, asset management, and financial services organization. Advisory services are offered through Ayco and brokerage services are offered through GS& Co. LLC and Mercer Allied Company, L.P., affiliates of Ayco and members FINRA/SIPC.