A Financial Plan for Everyone

Introducing intellisteps

Let’s face it—most people don’t wake up thinking about their 401(k), their budget, or their retirement readiness. Financial planning can feel overwhelming, complicated, and, for many, completely out of reach.

But here’s the truth: A financial plan isn’t just for the wealthy. It’s for everyone.

Yet, traditional financial planning services only cater to the top 3% of Americans—those with significant assets to manage. Meanwhile, the 97% of hardworking employees who keep our economy moving are left without the guidance they need to make sound financial decisions. That’s the gap we set out to fill.

That’s why we created intellisteps—a simple, effective, and affordable way to give every employee a personalized financial roadmap.

How Does intellisteps Work?

intellisteps isn’t just another financial product—it’s a practical, easy-to-understand foundational financial plan designed to empower employees with clear, actionable insights into their financial well-being.

Using just three simple data points—age, wage, and minimal 401(k) information—we create a personalized, four-page foundational financial plan for every employee annually. And here’s the best part: we do it for less than $25 per employee per year.

This is not about selling investments or financial products. It’s about providing guidance and advice so employees can make better financial decisions today and build a more secure tomorrow.

The Five Pillars of Financial Well-Being

The intellisteps plan focuses on five key areas that determine an employee’s financial health:

• Budgeting – Understanding where money goes and how to manage it wisely.

• Debt Management – Strategies to reduce debt and avoid high-interest pitfalls.

• Emergency Savings – Building a financial cushion for unexpected expenses.

• Death Protection – Ensuring loved ones are financially secure in case of tragedy.

• Retirement Readiness – Planning for a comfortable and sustainable future.

Most employees don’t need complex wealth management; they need practical advice on how to navigate their everyday financial realities. They need a plan—a roadmap that helps them feel confident about their financial future.

Why Employers Should Care

Financial stress doesn’t just impact individuals—it affects businesses too. Employees who are financially stressed are more distracted, less productive, and more likely to leave. Studies show that financially stressed employees cost businesses an additional $3,922* per person annually due to lost productivity and absenteeism.

Employers already invest thousands per employee in healthcare, retirement plans, and benefits—but without financial education, many employees don’t know how to maximize those benefits. That’s where intellisteps bridges the gap.

By providing employees with a clear, actionable financial plan, businesses can create a more financially secure workforce, improve retention, and drive overall company success.

Financial Planning for the 97%

For too long, financial planning has been seen as a luxury for the wealthy. But at intellicents, we believe financial wellness should be a right—not a privilege.

That’s why we built intellisteps: to ensure that every employee has access to a financial plan that helps them thrive.

Because when employees are financially healthy, they’re more engaged, productive, and secure—and that’s a win for everyone.

It’s time to change the narrative. It’s time for financial planning for all.

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*Source: https://graystone.morganstanley.com/the-parks-group/articles/graystone/thought-leadership/financially-stressed-employees; https://graystone.morganstanley.com/the-parks-group/articles/graystone/thought-leadership/financially-stressed-employees