the intellicent way to manage your 401(k)
Too often employers spend their 401(k) dollars in the wrong place - expensive money managers. The intellicent way to allocate your resources is to reduce investment management fees and use a portion of those savings to items that will provide a significant rate of return toward your employee's financial freedom - education and advice. The intelli(k) way also offers plan consulting, and can often reduce investment management expenses by as much as 50%. Such a reduction in costs may also help insulate you from fiduciary liability given the current litigation surrounding plan fees.
Start investing your dollars saved on tools and services that actually drive positive outcomes and help solve the retirement crisis one participant at a time.
the right track
Source: Center for Retirement Research at Boston College:
The National Retirement Risk Index,
“NRRI Update Shows Half Still Falling Short” – December 2014
of Americans are at risk
to not have enough income for retirement.
the intellicent way
The typical plan sponsor approach has underperformed over time, so intellicents turned the process on it's head and developed a 5 step process that's proven to help participants reach real success.
Adopt the intellicent definition of plan success: 75% of participants on-track to maintain their same standard of living during retirement.
Plan design auto features help plan sponsors reach the 90-10-90 goal.
reduce plan cost
lower fund expenses
benchmark and negotiate admin fees
participant education and advice
total financial wellness program
annual retirement readiness reports
employee educational group meetings
employee 1-on-1 advice meetings
annual pre-retirement planning seminars
call center staffed by CFPs
financial planning + advice tools
contribution modeling reports
custom model portfolio asset allocation services
custom target date funds
allmymoney financial wellness app
1-on-1 in-person advice
retirement income planning
intellicent digital advisor
financial planning services
survey participants to identify areas of financial concern and opportunities for education.
monitor progress toward plan-level 90-10-90 plan participant goals.
calculate each participant’s probability of success and monitor aggregate outcomes by age and income.