Broker Check

Benefits Review

Benefit Strategies

Benefit Strategies

We pride ourselves in knowing the small details that can make a big impact on your retirement. For example, special 401(k) rules, pension milestones, stock options, insurance programs, and calculating the best day to leave with the most amount of money.

These differentiating factors put us in a unique position to help guide you through benefit decisions that will enable you to have a successful retirement.


Savings Plan - 401(k) / 403(b) / 457(b)

Your retirement savings plan in most cases is one of your largest financial assets, yet most people do not give it the time it deserves. During our preliminary call we review the details of your plan, and may provide initial recommendations based on the conversation.

  • Contribution amount
  • Regular, Roth, and/or After-Tax participation
  • Maximizing company match
  • Allocation of your dollars - current and future
  • Rebalance planning
  • Other programs your plan offers - special rules, brokerage link, accessing money, etc.

Pension Estimate

If you are lucky enough to still have a pension, we review the details of how to maximize your plan payments.

  • Different types of pensions - Defined Benefit and Contribution Plans
  • How interest rates are calculated
  • Pension calculation review
  • Company pension milestones that can make a significant difference in your payout
  • Monthly payment and lump sum comparisons

Insurance Plans

There are many different insurance plans that are offered to you, but understanding the risks and rewards of the plans are extremely important.

  • Life Insurance Needs Analysis
  • Long Term Care offering - should you sign up
  • Medical Plans overview - HMO, PPO, HDHP, HRA/HSA/FSA accounts
  • Disability and AD&D Insurance review
  • Retiree rules - medical in retirement as well as portability rules

Retiree Rules

Our goal is to help you maximize the benefit plans while working around the company rules. We typically recommend multiple exit scenarios to prepare for the unknown such as forced early retirement.

  • Earliest date to retire considering company retiree rules
  • Planned date you would like to retire
  • Retirement cash flow projections supporting different exit dates 
  • Understanding downsizing packages as well as state plans like unemployment

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