In the increasingly complex world of finance, investment and taxes, individuals and businesses face tremendous challenges building and protecting their financial assets. The vast array of investment and benefit options offered in the market place today makes it difficult for even the most sophisticated individual to sort through the wealth of available information and make the right choices within the time frame necessary to achieve the maximum benefit.
Today’s business owners and executives are bombarded with decisions regarding employee benefits. Consequently they spend a lot of time and money to provide themselves and their employees with a quality benefits package. However, many corporate benefits have become simply expected and therefore are often under-appreciated by employees. World class benefits can retain and attract executive, employee, and skilled talent to a company but are an ineffective expense if they are not understood or utilized to their highest potential. In this chaotic environment, an employee handbook will not suffice – you need someone with the experience and common sense to educate you and your employees as to the options within your existing plan and/or to help you establish a first-class employee benefit plan.
We will work with you to develop and implement a financial education and planning program that includes:
"Participants almost unanimously expressed interest in obtaining positive, practical and concrete financial information.” But “they don’t know where to turn, whom to trust and how to proceed.”
1995 U.S. Department of Labor sponsored focus groups
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Ø Professional educational programming from one of the leading financial services providers in the United States.
Ø Program objectives aligned with your Company’s desired outcomes.
Ø Multiple alternatives for employee access to financial education such as: Workshops, telephone access, print, etc..
Ø Customization designed to help highlight your company employee benefit offerings.
Ø Employee access to individual consultations with a qualified financial planner.
Ø Quality financial advice through a wide range of planning services designed to meet the diverse needs of individual employees.
Ø Client service standards designed to meet or exceed the expectation of both your company and your employees.
The Financial Education and Planning Approach
Our financial education and planning process is uniquely positioned to create access to various educational alternatives designed to help you and your employees make informed decisions about employee benefits and other financial options in pursuit of your financial objectives. We differentiate ourselves in the financial education industry by emphasizing both education and action. A famous author once said that “…the secret of success in life is not knowledge, it’s action”. We prefer to positively impact you and your employee’s quality of life by offering the ability to take action on the education we provide.
Benefits to Employees
Almost half (44%) of workers intend to retire before age 65. But 68% expect to work during retirement, with more than half of those, to make ends meet.
EBRI 1999 Retirement Confidence Survey
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We lead the employees through a process of discovery, analysis and alternatives in implementation where they can make informed decisions about their futures and the quality of their lives. By using a comprehensive approach, we help ensure that all goals and strategies are working collectively to reinforce and build on one another. Among the benefits to employees whose employers implement a comprehensive financial education program are:
Ø Provides dedicated support from a team of skilled financial services professionals from MetLife
Ø Enhances and promotes the value of employer provided benefits
Ø Complies with ERISA/DOL regulations with access to a dedicated MetLife Advice Specialist backed by an industry leader
Ø Encourages retention of key employees and helps to attract new employees
Ø Positive approach to providing employees with information and resources that help build financial freedom.
Benefits to Employers
Research indicates that the business-case for financial education and advice in the workplace is strong. Among the benefits to employers who implement a comprehensive financial education program are:
Ø Integrates group benefits into an overall personal strategy
Ø Promotes the value of the total package including compensation, benefits, and work/life balance to employees
Ø Offers one-on-one financial guidance with the opportunity to develop a long-term relationship with a local financial professional
Ø Includes interactive financial education workshops on a variety of topics
Ø Increases probability of achieving financial objectives, resulting in greater job and personal satisfaction.
Program Objectives
In developing a financial education and planning program at your company, we will work with you to clarify program objectives. Setting objectives is important to ensure alignment with your corporate needs, and helps ensure program success.
Based on your objectives, we provide a variety of tools and educational materials of varying depth and complexity to assist employees in:
Ø Determining long-term financial goals.
Ø Understanding and utilizing your company’s benefits as they relate to personal financial goals.
Ø Understanding that it is their own responsibility to plan and control their financial futures.
Ø Improving their quality of life by motivating them to begin to take action.
Ø Making informed decisions regarding financial alternatives.
Employee Workshops
We have developed a unique workshop system covering key financial planning topics. Workshop participants enjoy an educational presentation with professionally produced informational materials. The workshop gives participants an increased awareness of their financial needs from an experienced speaker who has special training and experience in the field of financial planning. Our workshops offer:
Ø An educational approach to helping individuals recognize financial needs and responsibilities.
Ø Objective, generic presentations leading to financial awareness.
Ø Worksheet exercises designed to help assess the need for action.
Ø Participant interaction promoting involvement.
Ø Customized integration of benefit options.
An important feature of our workshop program is its flexibility. The presentation can be extended over almost any length of time. We can put together a simple 45 minute-long presentation or a complete series of workshops. This flexibility allows us to highlight areas of special interest to your employee groups, including benefits or special circumstances for a select group. We have a number of modules that can fit the needs of your employees. Examples of workshop topics include, but are not limited to, the following:
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