for every single employee benefit

participant financial advice

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Most contemporary 401(k) or 403(b) plans have offered their participants actual advice from outside fiduciary advisors for over a decade; yet these same participants are left to do it themselves when it comes to choosing the most appropriate health insurance coverage for their families each year.  These options have grown not only in their number, but also their complexity and cost; yet we continue to ask employees to make annual enrollment decisions that they have very little training, education, or experience in making.  And decisions made on one employee benefit can dramatically impact not only the affordability of other benefits, but also how other benefits work.  Plus, their spouse’s benefit elections where they work can negatively impact their own benefit elections.

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Are your employees ready to make these decisions?
  • Which health plan that you offer is right for both my family and me?

  • Do I use the Medical Reimbursement Flex Plan, the Health Savings Account, or both?

  • How much money should I put in my Flex or HSA?

  • How should I invest my HSA?

  • Do my spouse’s benefit elections affect my HSA?

  • Do I really need vision insurance?

  • Do I need extra life insurance to protect my family?

  • Is it better to take care of my dependent care expenses through the flex plan or on my tax return?

  • How much money will I need to retire comfortably?

  • How much will my medical expenses be during retirement?

  • How much money should I put in my 401(k) to get there?

  • Should I do Roth or regular 401(k) contributions?

  • How should I invest my 401(k) money?

  • If I can afford to save more, should I contribute it to my 401(k) or my HSA?

  • At retirement should I leave my money in the 401(k) or roll it out to an IRA?

  • Do I have to take a Required Minimum Distribution from my Roth 401(k)?

  • When should I take my Social Security retirement benefits?

  • How should I set my beneficiaries up?

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the poor overall financial health of this same American worker was further exposed during the “Corona Crash” as they struggled with high debt loads, a lack of any emergency savings, and minimal budgeting skills and experience.

Your employees want more than education and coaching.  They want advice on top-of-mind financial issues such as:

  • Budgeting

  • Debt management

  • Emergency savings

  • Life insurance

  • Retirement planning

  • Retirement income planning

  • Social Security/Medicare

  • ​Investment management

  • Major expense planning

  • Tax planning

  • Estate planning

  • Employee benefits

  • HSA maximization

  • Charitable giving

The wealth management industry is addressing these financial wellness issues for the owners, upper management, and the affluent.  But this same industry acknowledges that they have little time or interest in providing this service for the 99% of Americans that they openly refer to as “the underserved.”
people smarts + great technology

intellicents has put together both experienced professionals and digital advice services for your people.  Our team of consultants, advisors, and CERTIFIED FINANCIAL PLANNERS™ will meet your participants where they are via…

This service was put together based on insight and feedback we receive from clients and valued business partners.  From this, we identified a real need to not only assist the wealthiest 1% with their financial goals, but to help the typical American “get their financial house in order”.  That is our mission here at intellicents, and we invite like-minded employers to join us in this crusade to put together a process to “over-serve the Underserved”.