Your Retirement Advisor

For the Workplace

More than 88 million employees are responsible for managing their own retirement assets. However, it’s estimated that these same employees lose $100 billion every year due to investment mistakes! (1)

Investing right is hard. And it takes time to research, analyze and re-allocate. Employees have a job to do and lives to live…they don’t have a lot of time or interest to figure this stuff out.  With so much money at stake (trillions), the demand for help is huge. That’s where Your Retirement Advisor and our Your Retirement Advisor Approach comes in.

Your Retirement Advisor is a proven framework for building and implementing a person’s retirement based on our research-backed philosophies and strategies. It requires people to take both ownership and involvement as we lead them through the 4 steps of: Education, Analysis, Strategy and Guidance.

Our mission is simple…to empower your employees, and make preparing for retirement easier and living in retirement more prosperous. Let us take the work and worry off your employee’s plates. Learn more about the Your Retirement Advisor approach for employers below…

Your Retirement Advisor does more to help your employees Know More, Get More, Keep More and Have More.

In our Your Retirement Advisor approach, we’re your employee’s retirement educator first and foremost. We’re on a mission to improve financial and retirement literacy while helping people plan for better retirement outcomes. Education is the foundation of everything we do. We truly believe knowledge is power and knowing more means having more. We offer a large number of complimentary onsite Lunch-n-Learn workshops on a variety of retirement and financial topics. We include a complimentary 1-on-1 assessment with every employee who attends our workshops. We also offer on demand workshops in our Learning Center.

Lunch-n-Learn Workshop Most Popular Topics:

• Options for a quality retirement
• Long term care
• Financial blunders and how to avoid them
• Fiscally fit

Other topics:

Everyone who participates in our on-site or on-demand workshops is offered a complimentary 1-on-1 assessment.

Many employees are really confused when it comes to figuring out “how much” and “how to”. In this 2nd step of our approach, we use data-driven analysis to discover if employees have enough of the “right stuff” in their retirement plan.

IS MY 401(k) OKAY?

The personalized 401(k) assessment provides a comprehensive review and answers the following questions for an employee:

• Are you putting enough away?
• Do you have the right investments?
• Do you have proper allocations?
• What re-allocations do we recommend?
• What is the best withdrawal strategy to minimize tax effect?

After the complimentary assessment with one of our affiliated advisors, employees can choose to continue the process. Additional analyses (including income/Social Security optimization, portfolio and tax analysis) are completed. Based on this information, we build a customized plan using our Multi-Discipline Retirement Strategy (MDRS). The number one goal of the 3rd step in our approach is to give employees the best possible “sustainable” retirement outcome.  In this process, we’re a bit like mad scientists, experimenting with the data and math to come up with just the right “keep more” formula. The strategy has such a powerful impact that it can extend the life of a portfolio by 10 or more years.

Finally, we turn knowledge, analysis and strategy into action by guiding employees to proper conclusions and overseeing the implementation and ongoing review of their plan. For a low monthly fee, we’ll oversee your 401(k) plan: analysis, investment allocation and a bi-annual review, as well as the other components of an overall retirement plan.

All of our “guides” are carefully vetted and trained as “hybrid” retirement specialists which means they are licensed to implement balanced, objective plans with a proper mix of investments AND insurance solutions. We believe that extremist views can sabotage a retirement…while this “Middle Way” leads to wisdom and to having more in retirement. We are committed to putting your employee’s best interests above all else. We are very proud of our fiduciary responsibility and the process we have to ensure it’s always followed. We are also proud to be independent and product agnostic which means we can offer the best solutions for each person’s goals.

We help your employees through three stages or retirement preparedness. Typically, we work with people in pre-retirement (ages 35-50), people getting ready to retire (ages 50-65) and those making the transition to and living in retirement (ages 65 and up).

For those nearing retirement, we offer a variety of important services to support the transition from accumulation of income to proper tax efficient income distribution. Unlike many other advisors, we focus your withdrawal strategy on minimizing taxes to as close to zero as possible.  We also help people maximize their Social Security benefits and minimizing how much these benefits are taxed. Regardless of the stage your employees are in, Your Retirement Advisor is best positioned to help your employees prepare and prosper in retirement.