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Health401k® is a registered trademark of ignite. excite. empower.®, LLC. HealthBroker by Health401k™, Piggy Bank Advisor®, Charlie Francis™, People Change People®, and The People Change People Paradox™ are trademarks and proprietary educational frameworks developed by ignite. excite. empower.®, LLC. Unauthorized use, including the creation of derivative content or visual likenesses, of these trademarks, characters, or proprietary frameworks in connection with education, wellness services, consulting, workshops, corporate programming, digital content, or related materials is not permitted without prior written consent.