intelli(k)
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.
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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
52%
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.
step 1
set goals
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Adopt the intellicent definition of plan success: 75% of participants on-track to maintain their same standard of living during retirement.
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90%
10%
90%
Plan design auto features help plan sponsors reach the 90-10-90 goal.
reduce plan cost
lower fund expenses
benchmark and negotiate admin fees
behavioral finance
auto-enrollment
auto-acceleration
auto-advice
plan design
step 2
participant education and advice
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total financial wellness program
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annual retirement readiness reports
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employee educational group meetings
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employee 1-on-1 advice meetings
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annual pre-retirement planning seminars
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call center staffed by CFPs
step 3
financial planning + advice tools
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contribution modeling reports
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custom model portfolio asset allocation services
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online advice
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custom target date funds
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allmymoney financial wellness app
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1-on-1 in-person advice
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CFP hotline
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retirement income planning
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intellicent digital advisor
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financial planning services
step 4
survey participants to identify areas of financial concern and opportunities for education.
evaluate outcomes
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.