Fixing What’s Broken

Why Financial Planning Should Be a Right, Not a Privilege

For decades, the financial services industry has focused on the top 3% of Americans, providing wealth management and investment strategies to those who already have money.

Meanwhile, the 97% of hardworking employees—teachers, nurses, mechanics, service workers—are left to figure it out on their own.

That’s not just an oversight; it’s a systemic failure. Financial planning should not be a privilege reserved for the wealthy. Every American worker deserves a plan. That’s why we created intellisteps.

Our Just Cause

At intellicents, we aren’t here to sell another financial product. We’re here to fix what’s broken in the industry. Our mission is simple:

• To over-serve the underserved—not just acknowledge them.

• To provide financial plans for everyone—not just those with assets to manage.

• To help employers build financially healthy workforces—because a secure workforce is a productive workforce.

Financial stress isn’t just an individual problem—it’s a workplace problem. Employees who are worried about making ends meet lose focus, productivity, and confidence. They struggle to contribute at their best because they don’t have a roadmap for their financial future.

That’s where intellisteps comes in.

Action Over Words

intellisteps is more than a financial wellness program—it’s a financial planning revolution.

For less than $25 per employee per year, we provide a personalized, four-page foundational financial plan using just three simple data points: age, wage, and minimal 401(k) information.

Unlike traditional financial services that require employees to seek out advice they can’t afford, intellisteps brings financial planning directly to them. It focuses on the five core pillars of financial well-being:

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

• Debt Management – Reducing financial stress by eliminating high-interest debt.

• Emergency Savings – Preparing for unexpected expenses.

• Death Protection – Ensuring financial security for loved ones.

• Retirement Readiness – Helping employees plan for their future.

When workers have a plan, they make better financial decisions, feel less stress, and perform better at work. And when businesses support their employees’ financial health, everyone wins.

Building a Better Future

We believe in action over words. That’s why the intellicents mission is not just about talking about financial wellness—it’s about delivering real, affordable solutions that help employees take control of their money today, so they can have a better tomorrow.

If you’re ready to rethink financial planning, join us. Let’s build a future where every American worker has a plan.