Do you have employees with financial difficulties?

·          A record number of people are in or nearing home foreclosure

·          Household debt has increased 80% (inf. adj.) since 1980

·          The average savings rate is -.5%, the lowest since the Great Depression

·          51% of people over age 55 have saved less than $50,000 towards retirement

Employees underutilizing important participatory benefits?

·          Optional Group Life, Disability Income, and other voluntary benefits not being maximized

·          401(k) contribution and participation is not what is should be

·          Loans and withdrawals have increased

·          Employees are not preparing adequately for retirement

Employers lose when employees have financial difficulties and don’t maximize benefits

·          Employees with financial problems under-perform

·          Studies show that a majority of people consider themselves to be facing extreme financial stress

·          Stressed workers have shown to be less creative thinkers and risk takers

·          Financial stress is the most critical unaddressed issue in the workplace today according to a study by Cambridge Resources Group

·          Employees who are not fully maximizing voluntary benefits are at greater financial risk

Middle-Market Roadblocks to Planning

·          Financial planning services are priced out of reach for all but wealthy people

·          Most people have not been taught financial management and have difficulty obtaining reliable information

·          The financial landscape is complex, and most people do not have a system, plan or resources to help them

When Employers Provide Quality Financial Programs Employers and Employees Win

·          Financially secure employees perform at higher levels

·          Enticing addition to the benefits menu for employee recruiting and retention

·          Increased financial security through increased contributions into 401(k) plans and participation in voluntary benefits

·          Comply with the requirements of the Pension Protection Act of 2006 that provides an exemption to ERISA’s prohibited transaction rules for advice provided by a computerized model

eFinPLAN Corporate Solutions: Corporate Sponsored Financial Planning, Coaching and Education

Level 1:  Personalized Financial Plan for each Employee, Educational Resources, Monthly e-Newsletter and Onsite Classes

Level 2:  Level 1 plus Financial Telephonic Coaching from CPAs, Certified Financial Planners, Financial Advisors

Level 3:  Level 2 plus extensive onsite educational classes

More Information

eFinPLAN Corporate Solutions: Employee Financial Wellness Programs  Brochure   Contact

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