Next year, when IBM freezes its pension and begins offering its 127,000 U.S. workers the option of investing in a 401(k), the firm will also give them financial education and coaching, the Raleigh News & Observer reports.

In fact, IBM expects the education will cost it $50 million over five years, but it’s fully prepared to provide not just online planning tools but also seminars and one-on-one coaching, either in person or over the phone—free of charge to its employees and spouses or domestic partners.

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