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what we do

one resource for all your financial needs.

intellicents couples human intelligence with interactive technology to reimagine financial services for employers and individuals. Through group insurance consulting, retirement plan design and wealth management, let’s pave a smarter financial way for every American. Together.

group insurance consulting

the american worker has the vast majority of their financial needs taken care of at their place of employment.

average annual premiums

for single and family coverage 2009-2018



SOURCE: KFF Employer Health Benefits Survey, 2018; Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2017

We can take away the annual “juggle” of your health insurance costs. Every year you either pay more, change carriers and plans, limit coverage, shift costs to employees, or a combination thereof. None of these are long-term solutions. Instead of giving your employees a “one-size-fits-all” or limited menu benefits program, why not just give them money to buy the benefits that they actually need and fit their budget? 

Our group insurance consulting team will help you set a “benefits budget”, thereby making your benefit costs predictable. intellicents will then use people and technology to work with your employees to customize a benefits program that fits their needs and budget. Think about it – you effectively get out of the “benefits business” --  and our surveys show that 96% of employees prefer to choose their own benefits rather than have their employer choose for them. Do your employees have the freedom of choice?

group insurance

retirement plan consulting

Beyond funds, fees, and fiduciary governance

retirement plan consulting chart
retirement plan consulting chart


of Americans are at risk

to not have enough income for retirement.

Source: Center for Retirement Research at Boston College:
The National Retirement Risk Index,
“NRRI Update Shows Half Still Falling Short” – December 2014

Are you really focusing on the right things in your 401(k)?  You spend all this time monitoring the plan’s funds and fees, and worrying about your fiduciary responsibility; but are your employees actually on track to have enough money to retire?  And what does it cost you as their employer if they have to delay retirement?


Our retirement plan consulting team will take on the fiduciary responsibility of selecting and monitoring your plan’s investment lineup, and negotiating with your recordkeeper for great service at competitive fees.  In addition, however, they will establish goals and benchmark what percent of your employees are actually on track to a successful retirement outcome.  Isn’t that why you have a plan in the first place?


wealth management

applying what we’ve learned over 30 years of managing retirement plan money to the individual investor.

days out of 7,305 determined whether you made or lost money over the last 20 years.


less than

Source: J.P Morgan Asset Management analysis using data from Bloomberg. Returns are based on the S&P 500 Total Return Index, an unmanaged, capitalization-weighted index that measures the performance of 500 large capitalization domestic stocks representing all major industries. Past performance is not indicative of future returns.

An individual cannot invest directly in an index. Data as of December 30, 2016.

We’re good, but not that good.  It’s not what year you’re invested in a diversified portfolio of stocks; or even what month, or what week --  it’s literally what days you’re invested.  Our job is to help you define your financial goals, develop an investment plan to get there, and then keep you on that plan when the financial markets get tough.

And we never want you to question the motives behind our investment recommendations to you.  That is why we at intellicents encourage you to adopt our fundamental fiduciary approach centered on removing all potential conflicts of interest from our relationship with you.  By so doing, you’ll never wonder if our recommendations will be in your best interest because we get paid the same no matter where your money is invested.

Coupled with this transparent personal service delivery, our wealth management team has put together contemporary technology solutions that not only give you daily updated access to your entire financial life, but also low cost investment solutions designed to improve your odds at meeting your stated objectives and benchmarks...each with the goal that you always know (1) the risks that you are taking; (2) the investment costs you are incurring; and (3) how much you are paying us to quarterback this process for you.

financial management

cost savings strategies

intellicent strategies to help you save money

plan design
lower money
management cost
cost savings
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