Helping Kids Make Smart Health Investments
A Health401k® Program for Children & Families
Why Piggy Bank Advisor® Exists
Most kids are taught that “health” is about food and exercise. At Health401k®, we know it’s much bigger than that.
Just like adults, kids thrive when their environments support curiosity, confidence, rest, kindness, learning, play, and connection. The earlier these environments take shape, the easier it becomes for healthy behaviors to emerge – without pressure, perfectionism, or discipline battles.
Piggy Bank Advisor® gives families a simple, playful way to begin talking about health as an investment, not a chore.
It’s not a diet.
Not a fitness plan.
Not a checklist.
It’s an introduction to the same philosophy that guides all of Health401k®:
People don’t change in isolation. People Change People™.
What Is Piggy Bank Advisor®?
Piggy Bank Advisor® is a child-friendly, parent-guided program that teaches kids how small, everyday actions can support their heart, mind, and body – the three core “investment categories” inside their Health401k.
Using our character Charlie Francis – Your Health401k Piggy Bank Advisor® – children earn tokens as they complete simple activities like:
- playing outside
- practicing kindness
- learning something new
- helping around the house
- reading with a parent
- trying a creative hobby
- making someone smile
Every token represents a health investment – reinforcing that well-being isn’t just physical. It’s emotional, intellectual, social, and environmental too.
How It Works
- Kids make small investments.
They choose from a variety of age-appropriate activities that build confidence, spark curiosity, and strengthen their emotional world. - Parents guide reflection.
Rather than scorekeeping, parents simply talk with their child about what felt good, what felt meaningful, or what felt kind. - Kids drop a token into Charlie Francis.
This reinforces the idea that small steps compound – just like a real 401k. - Families celebrate when the bank is full.
Not with candy or screens – but with experiences that build core memories: roller skating, the zoo, hiking, bowling, kite flying, or anything the family chooses.
Why These Early Investments Matter
Health investments start early – not through discipline, but through environment design, conversation, and connection.
Piggy Bank Advisor® helps families:
- build healthy habits through play
- encourage curiosity and learning
- strengthen parent–child relationships
- practice kindness as a shared value
- teach long-term thinking in kid language
- create early emotional, intellectual, and social “wins”
- reduce pressure and performance-based definitions of health
“Health isn’t a habit. It’s an environment.”
How It Aligns With the Health401k® Ecosystem
Piggy Bank Advisor® is the children’s expression of the same framework used with adults and organizations:
- Define what health means.
For kids, this looks like exploring questions such as:
“What helps your heart feel good?”
“What helps your brain grow?”
“What helps your body feel strong?” - Design environments where those behaviors emerge naturally.
Kids need:- predictable routines
- safe relationships
- play and exploration
- exposure to meaningful experiences
- spaces that spark curiosity
- Support and sustain that environment.
Parents are the strongest health brokers children will ever have. Piggy Bank Advisor® gives them the language and structure.
Bids of Kindness & Cards of Kindness
Within the People Change People™ framework, kindness is one of the highest-yield “investments” a child can make.
- anonymous kindness (“bids”)
- direct kindness (“cards”)
- and how these acts shape identity and social connection over time
Families can incorporate these into the token system as social investments – reinforcing compassion, empathy, and connection.
Who Leads Piggy Bank Advisor®?
Piggy Bank Advisor® was created by Adria S. Woods, M.S., CCC-SLP, a pediatric speech–language pathologist who specializes in communication, connection, child development, and parent–child relationship dynamics.
Parents also receive support from our broader HealthBroker team, who share the same philosophy and values.
What Piggy Bank Advisor® Is Not
- It is not medical care.
- It is not therapy.
- It does not diagnose or treat.
- It does not guarantee specific outcomes.
- It is not a behavior management program.
- It is not a replacement for pediatric providers.
Piggy Bank Advisor® is an educational framework for families – rooted in environment design, healthy connection, and play-based learning.
Coming in 2026: Pilot Program Enrollment
Families can pre-register for:
- program updates
- local events
- early access to Piggy Bank Advisor® activities
- opportunities to participate in our first pilot cohort
Building Generational Health
Piggy Bank Advisor® helps kids learn the same lesson adults learn inside Health401k®:
Small, aligned choices – made consistently – compound into lifelong returns.
Children who learn that health is something they invest in become adults who understand:
- ownership
- purpose
- confidence
- kindness
- resilience
- curiosity
And most importantly – they learn that at the center of every meaningful change is not discipline…
…but connection. People Change People™.
