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Making the Most of Your Employee Benefits

For many of our clients, conversations around Financial Planning tend to come up early in their careers when faced with handling employee insurance, health and retirement benefits issued by their companies. While choices over how much to allocate to a Health Savings Account or an employer-sponsored 401K may seem simple at face value, they require strategic thinking to ensure you are truly maximizing them. 

Optimizing Your Employee Benefits at Any Stage in Your Career



From helping you to select your benefits and insurance coverage to helping with 401k plans and myriad of stock option plans, our Advisors can work with you to ensure that you have the right strategy in place that dials back to your greater financial picture.  Whether you have gone years or are just starting out with your employee benefits, taking the guesswork out of these plans can be a huge time savings when it comes to helping you focus on other important aspects of your lives.

As it pertains to the 401K specifically, there is not much employer guidance provided on how to navigate the plans. And while there are many digital tools online that exist to help you ease the process based on your level of risk and age, the advice is generic and does not account for the variables and nuances of our lives. Understanding that a 401K is one of the biggest building blocks of retirement planning, our Advisors offer personalized guidance that allows our clients to factor in, beyond data points, your bigger financial picture outside of work.

Find your optimal investment strategy

Starting Out with Your Benefits Plan 

Does your company provide matching dollars on your 401K plan? Have you considered the difference in health insurance deductions for a family vs individual? The benefits offered by each employer vary from company to company, so it’s key to fully understand the offering at the onset so you can carefully set a strategy that best fits your goals while also taking into account your current financial state. Our Advisors can also help you with the basics around your HSA, insurance plans and retirement.

Revisiting Your Benefits Down the Road

Do you have an old 401K with a former employee and need help on how to transfer it? Have you recently checked in on the status of your 401k allocations and if you need to reallocate? The latter is very important if you are closer to retirement to ensure the right amount of savings. Our Advisors can also help you explore other options you may have been missing out on like a Roth 401K where you can transfer investments that can be withdrawn tax free unlike a 401k. 


The common thread in all of these scenarios is our meaningful relationships that come first and for that reason we have devised a unique cost-structure that allows for unbiased decision-making and an open line of communication so you don’t have to be concerned about the cost of advice.

Your 3-Step Process to a Customized Employee Plan


At the onset of the relationship, we assess all aspects of your benefits from insurance to health to retirement. Our planning also takes into consideration other areas of your financial picture to ensure you are planning your benefits through the lens of a comprehensive financial plan. 


Based on our findings, we recommend the best path forward to optimize your health, insurance, and retirement plans. As it pertains to your 401K specifically, we work closely to ensure that your investments include the right mix and diversified allocation, and are in sync with your other investment strategies.


We monitor these benefits yearly and continue to tweak the mix and allocations accordingly. As needed, our Advisors will make recommendations on how to rebalance and reallocate ensuring that you are always moving towards your goals.

The starting point of any plan begins with a baseline understanding of your current investments and risk tolerance. Let’s get started and find yours.

Plan and set Your Investment Goals

MEET Our Founder, Rick Bell

“My mission is to bring together some of the finest talent in the industry, each having unique qualities in the areas of finance, working together to provide our clients with the depth of knowledge and the personal high quality service needed to accomplish their goals.”

Meet The Team

Your Employer Benefits Questions Answered

Don’t see what you are looking for above. We have explored and written about trending tax strategy topics on our blog. Check out these posts for more!

Why is it beneficial to offer financial planning to my employees when I already offer retirement planning?

As a business owner, are there any specific questions I should cover in my first meeting with a financial planner?

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