Bringing Financial Planning to the Workplace

Give your people the benefit they deserve.

90% of employees want a personalized plan that adjusts to their needs.¹

People Want and Need Financial Planning

The average American gets the majority of their financial needs taken care of at their workplace where not only do they earn their paychecks, but they also get their insurance, their retirement savings, and more.

Employees are looking to their employers for so much more than traditional benefits. Most people find a comprehensive financial plan to be a useful and compelling service—particularly when they experience life events (like getting married, having a child, buying a home, or transitioning into retirement) that trigger financial planning changes and require readjusting priorities.

Having a plan helps!

of people don't have a written financial plan.²

of people who set financial goals feel better about their finances after just one year.³

Accessibility

Barriers & Misconceptions

We understand that not everyone needs to speak to a financial planner, but at the very least everyone deserves the opportunity for a brighter financial future. A financial planner can provide advice that boosts confidence in your employees' financial decisions. But barriers and misconceptions limit access for many:

AFFORDABILITY

People think financial planning might be expensive

EXCLUSIVITY

People think they need a lot of assets to have access to a financial plan

CONFUSION

People don’t understand everything that a financial plan can cover

EMBARRASSMENT

People don’t want to feel judged for their financial decisions or behaviors

ACCESSIBILITY

People want someone to talk to when life events happen or important financial decisions arise

You don't have to be rich...

of individuals who have their accounts managed by a registered investment advisor do not fall under the high-net-worth bracket (i.e., they don’t have over $1 million of investable assets).⁴

Scalable Technology

The fly+ Mobile App

Sentinel's fly+ app is meant to help more people take charge of their finances.

Plan sponsors will have trackable financial wellness tools that will help their employees go from stressed about their finances to more focused and productive at work. And thanks to educational insights and actionable challenges you help curate, your employees are empowered to take control of their financial futures through fly+.

Help your employees take charge of their finances

A Simple Process

Financial Planning for EVERY Employee

Help your employees set clear goals, stay on track with ongoing support, and stick to a plan. The process is very simple!

1. Schedule

Schedule an appointment at your convenience with your dedicated financial planner via a convenient online scheduler.

2. Consult

Connect with your financial planner for an initial consultation and to define personal financial goals. Your spouse or partner is always welcome and encouraged to attend!

3. Implement

Your planner delivers an actionable personalized plan ready to be implemented.

fly+ is Different

What's New?

Neither financial wellness or financial planning services are new to Sentinel. What is new is our ability to bring financial planning to the workplace (fly+) as an employer-sponsored employee benefit.

You can engage our Financial Planners in two ways: 1:1 consultations are made available for our current retirement advisory clients; but fly+ is for any and everyone!

	1:1 Consultations	fly+
15 Minute Introductory Conversation
1-Hour In-Depth Conversation
"Financial Plan" and In-Depth Recommendations
Access to New Technologies
Detailed Health + Wealth Strategies
Financial Wellness Education
Broad Financial Planning Best Practices
Insurance Coverage Analysis & Recommendations
Estate Planning Document Discussion & Referrals
Increased Access to Financial Planner Ongoing
Spousal / Partner Access
Plan Sponsor Utilization Reporting

Deep KnowledgeOn a broad range of topics

At Sentinel Benefits, our Certified Financial Planners^™ and Financial Wellness Educators' ultimate goal is to help people prepare for their future health + wealth needs. We partner with our clients to create an environment that promotes financial wellness, encourages retirement readiness, and empowers individuals to succeed.

Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP^®, CERTIFIED FINANCIAL PLANNER^™, and CFP^® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements

Health + Wealth Planning

We partner with our clients to create an environment that encourages retirement readiness, promotes healthy choices, and empowers your employees to take control of their financial futures...and our financial planners put it all into perspective for participants.

Saving for multiple goals

Most of us are trying to save for multiple goals at once and sometimes it can feel overwhelming. A financial planner can help your employees balance their wants and needs by helping them start a simple, easy-to-follow savings plan.

Investing

Our financial planners offer investment advice and investment management services in addition to financial planning. Investment advice can range from a general recommendation as to what type of asset allocation model one should follow, to specific recommendations on investment portfolios.

Budgeting

Good decisions on spending and saving start with knowing what you actually want to do in your life, now and in the future. A financial planner can help your employees crunch the right numbers to help them succeed.

Emergency savings

The reason to have an emergency fund is simple: you don’t know what’s going to happen. A financial planner can help your employees plan for life's unexpected moments.

Debt management

Managing debt is a key component of how a financial planner can help your employees plan for a healthy financial future.

College planning

Financial planners can help your employees determine which 529 plan or other investment vehicle is best for their college-saving needs.

Insurance coverage

Our financial planners can assist with dissecting confusing insurance options and making sure your employees are covered where it matters most.

Long-term care

The majority of Americans age 65 and older will require at least some long-term care services and supports as they age, often as a result of chronic illness or disability. A financial planner can help your employees and their families plan ahead so no one is left unprepared.

U.S. Department of Health and Human Services. 2017. How Much Care Will You Need?

Retirement readiness

Even if retirement is still far off, your employees can take steps today to prepare to live out retirement on their terms. Together, we can develop a solid retirement savings strategy to help them live comfortably after they stop working.

HSAs

A Health Savings Account (HSA), is a non-forfeitable savings vehicle that offers a tax-advantaged way for your employees to pay for current or future healthcare expenses. HSAs can be used to pay for eligible medical expenses as well as deductibles, co-insurance, prescriptions, vision expenses, and dental care.

Roth conversion planning

Roth conversions are an effective, alternative way to put money away in a Roth IRA, not subject to IRS limits. With the right planning and a little foresight, Roth conversions can help your employees maximize their retirement savings and pay less on taxes.

Taxable vs. tax-deferred planning

With a taxable account, taxes are paid right now, but with a tax-deferred account, taxes are paid in the future. By shifting the period when your employees pay taxes and allowing for tax-free investment growth potential, some advantages can be realized. A financial planner can assist!

Income planning

Income planning helps your employees determine whether their dependable sources of retirement income—like their 401(k) or Social Security—will cover their essential expenses in retirement.

Estate planning

While they don't give legal advice, a financial planner can help ensure that your employees' estate planning actions directly support their estate planning wishes.

Sources:

¹Empower Life Stages Consumer Survey, January 2020
²Charles Schwab's May 2019 Modern Wealth Survey
³Lincoln Financial's Goals and Reflections of Today’s Customer, Year-End 2017 Study
⁴2019 Evolution Revolution report

It's time to fly+ We can help you and your employees prepare for the future.

We can create a custom program for your company’s size, demographics and needs. Contact us today by calling 800-436-6689 or filling out the form to the right. Together, we can help your people fly!

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