Retirement Solved@Work

A FINANCIAL WELLNESS PROGRAM
For Employers

Getting Retirement Right For Your Employees

More than 88 million employees are responsible for managing their own retirement assets. However, it’s estimated that these same employees lose $100 billion every year due to investment mistakes! (1)

Investing right is hard. And it takes time to research, analyze and re-allocate. Employees have a job to do and lives to live…they don’t have a lot of time or interest to figure this stuff out.  With so much money at stake (trillions), the demand for help is huge. That’s where the Retirement Solved financial wellness platform comes in.

Retirement Solved is a proven framework for building and implementing a person’s retirement based on our research-backed philosophies and strategies. It connects employees with the content, tools, guidance and solutions they need to know more & have more…now and in retirement.

Our mission is simple…to empower your employees, and make preparing for retirement easier and living in retirement more prosperous. Let us take the work and worry off your employee’s plates. Learn more about the Retirement Solved approach for employers below…

Bring Retirement Solved to Your Company

The World’s Smartest “Financial Wellness in Retirement” approach can be offered byYou to Empower your Employees

Retirement education button

“Studies have proven that providing quality workplace financial programs improve employees’ personal financial behaviors and increase employer profits. An employer who invests in quality financial educations often sees these, and many more, benefits:

  • Less work-time spent on personal finances
  • Less absenteeism
  • Reduced turnover
  • Improvements in job performance
  • Lower health care costs

EDUCATION...Onsite Lunch-n-Learn Workhops to help your employees know more

In our Retirement Solved approach, we’re your employee’s retirement educator first and foremost. We’re on a mission to improve financial and retirement literacy while helping people plan for better retirement outcomes. Education is the foundation of everything we do. We truly believe knowledge is power and knowing more means having more. We offer a myriad of free e-classes in our Education Center. We also offer a large number of complimentary onsite Lunch-n-Learn workshops on a variety of retirement and financial topics (where available). We include a complimentary 1-on-1 assessment with every employee who attends our workshops.

Lunch-n-Learn Workshop Most Popular Topics:

  • Options for a quality retirement
  • Long term care
  • Financial blunders and how to avoid them
  • Fiscally fit

Other topics:

Asset Allocation & Modern Portfolio Theory
College Planning
Estate Planning
First time home buyers
Getting your financial house in order
Social security explained
Is a roth IRA right for you
ID theft
Investing basics for women
Investment concerns in a fragile market
How to increase your health and wellness
Legal lessons for life
Maximizing the right mortgage strategies in today’s market
Life insurance and you
Taking control of your cash – eliminating debt
Refinancing your mortgage 101
How to buy foreclosures & short sales
Strategies for a sustainable income in retirement
Stress & your health
Real money – real estate
Tax planning
The US housing cisis
Understanding 401k rollovers
Understanding critical disability issues
Women approaching retirement and beyond
You and your credit score
Retirement analysis button

“Analysis consists of looking at the same thing as everyone else and thinking something different.”

ANALYSIS & ASSESSMENTS...Is My 401(k) Okay?

Many employees are really confused when it comes to figuring out “how much” and “how to”. In this 2nd step of our approach, we use data-driven analysis to discover if employees have enough of the “right stuff” in their retirement plan.

We call the program, Is My 401(k) Okay?

The personalized 401(k) assessment provides a comprehensive review of your 401(k) and then for only $79/year our cloud-based tool will manage your employee’s 401(k) or 403(b) and answer the below questions.

  • Are you putting enough away?
  • Do you have the right investments?
  • Do you have proper allocations?
  • What re-allocations do we recommend?
  • What is the best withdrawal strategy to minimize tax effect?

Everyone who participates in our e-classes or on-site workshops is also offered a complimentary 1-on-1 assessment from one of our affiliated advisors.

Retirement planning strategy button

“There is no success without action.”

Step 3 - STRATEGY...to help your employees keep more

After the complimentary assessment with one of our affiliated advisors, employees can choose to continue the process. Additional analyses (including income/Social Security optimization, portfolio and tax analysis) are completed. Based on this information, an affiliated planner will build a customized plan. The number one goal of the 3rd step in our approach is to give employees the best possible “sustainable” retirement outcome.  In this process, our affiliated advisors are a bit like mad scientists, experimenting with the data and math to come up with just the right “keep more” formula. The strategy has such a powerful impact that it can extend the life of a portfolio by 10 or more years.

Retirement planning advice button

“If you know you’re on the right track, if you have this inner knowledge, then nobody can derail your plans.”

GUIDANCE...to help your employees have more

Finally, affiliated advisors turn knowledge, analysis and strategy into action by guiding employees to proper conclusions and overseeing the implementation and ongoing review of their plan.

All of our affiliated Hybrid Retirement Advisors are carefully vetted and trained as “hybrid” retirement specialists which means they are licensed to implement balanced, objective plans with a proper mix of investments AND insurance solutions. We believe that extremist views can sabotage a retirement…while this “Middle Way” leads to wisdom and to having more in retirement. Our affiliated advisors are committed to putting your employee’s best interests above all else.

Bring Retirement Solved to Your Company

“I told my investment advisor I was planning to retire in two years and all he said was, ‘Good.’ 

I attended a Retirement Solved workshop at my office, had an assessment of my 401(k) plan and spent another 8 hours with a retirement specialist outlining my entire retirement plan. Now I have the knowledge and confidence to retire in 5 years. This is a heck of a lot better than ‘good’!” 

— Nancy

We help your employees through three stages or retirement preparedness. Typically, we work with people in pre-retirement (ages 35-50), people getting ready to retire (ages 50-65) and those making the transition to and living in retirement (ages 65 and up).

For those nearing retirement, we offer a variety of important services to support the transition from accumulation of income to proper tax efficient income distribution. Unlike many other advisors, we focus your withdrawal strategy on minimizing taxes to as close to zero as possible.  We also help people maximize their Social Security benefits and minimizing how much these benefits are taxed. Regardless of the stage your employees are in, Retirement Solved is best positioned to help your employees prepare and prosper in retirement.

Bring Retirement Solved to Your Company