Employee Benefit Statements
ProceduresDocument CollectionData CollectionTutorial for Doing-it-YourselfSamples & ExamplesAn Employee Website + more
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A variety of Targeted Examples, ranging from an online Employee Budget Worksheet, to Retirement Communications, online Enrollment & much more.
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Most of your employees ARE saving, but  saving  blindly is aimless.To hit a target, there must be a Target.  
Explain.  How?
What about non-Plan assets?
Most people do not understand intricate financial concepts.  In fact, most folks don't even have a budget, let alone a precise target for the far away tomorrow of retirement.  Asking them to perform complex calculations such as: n = ln[S/(S - (r - s)E)]/ln[(1+r)/(1+s)] (How long $$ will last),
is asking just a bit much, don't you think?  
Each employee document takes them through a sequence of easy to understand Steps.  No complicated formulas.  Simple text, with simple, personalized results.
They will 'get it'. Inform -> Educate -> Personalize.
Personalized, with complex concepts made simple, understandable and thought provoking.
But we're not done.  100% customized to your plans & specs, to include graphics, personalized charts (many flavors).  Sized to your needs, printed, folded, stuffed, sealed and posted to the FPO.  Of course, you'll be with us every step of the way with detailed reports, output previews, the ability to edit, pdfs & more. We believe in this 'product' & pull out the stops.
A high proportion of Americans do not save enough for retirement.
But how much is 'enough' & how would they know if they are 'on track'?
Boost Retirement Participation is included in the HRCS.  The customized & Personalized Retirement Education described above is more thorough but can become part of your own HRCS.  We would develop the entire module - and you could install to your own system as a separate Solution.  From there, you could 'do it yourself' in future years - or - we could collaborate.  We can also fulfill the entire solution WITHOUT the HRCS, as a separate service.  Need a quote?  Contact us.
Would you drive while blindfolded?

Your PersonalizedRetirementDirections
(and Rules of the Road)
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 Personalized Retirement Education
We develop alternative, personalized Targets.
You give us data:  birth dates, wages, current retirement plan info & SPDs.  We mutually designate replacement ratios.  We crunch #'s.  Lots of them.
One of the numbers we crunch is Social Security retirement,  using current wage & DOB.  Other Non plan assets and/or Social Security retirement (based on the SS annual statement) can be addressed with a supplemental, web or intranet employee worksheet. This allows employees to enhance and 'tweak'.
Retirement saving requires an alert driver that:- knows the final destination, the target- knows if their current path is 'on track'- understands the 'rules of the road'.- is able to adjust based on current conditions.
John/Jane Doe would never pass Driver's Ed.How about your employees?
 Prepared for: I. M. Not John Doe
You're here
Go there?
Current 'plan'
(+ or -) 'Gap'
Age, years to retire, wages, balances, deferral rates, Social Security $
Assumptions, growth rates, two wage replacement goals
Keep current plan --> then ... this
Short or over?
Adjust..Do this
 Contact
"You can't get there from here".
Especially if 'there' is Anywhere - or - Everywhere.  Younger employees will be clueless.  Older employess may have procrastinated.  We'll prod everyone into careful thought.
Employee Benefit Statements An onlineEmployee Budget Worksheet Collaborate.Easily,productively
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