Beneficiary Advisory for One of Life’s Most Difficult Moments

Comprehensive financial guidance for family members coping with an employee’s death

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Financial Counseling for Beneficiaries.

The death of an employee has ripple effects on other employees, managers, your HR team, and most importantly, their family. With emotions running high, the thought of having to unwind the deceased’s financial life only adds to the stress and anxiety of their loved ones. For many, it’s an overwhelming, complicated process and something they have never done before.

What does this have to do with your organization? With Cerity Partners Beneficiary Financial Counseling, you have an opportunity to ease this stress while positively impacting your firm.

  • Helping a family navigate the maze of financial decisions and paperwork honors the deceased employee’s memory and their contributions to your success.
  • It also builds loyalty and aids in retention. Employees are more likely to stay with an organization that genuinely cares about their family’s future financial well-being.
  • Cerity Partners has financial counselors who serve as the dedicated contact for family members, answering questions, submitting forms, and making the necessary phone calls, which allows your HR team to focus on their other responsibilities.

Like life insurance, beneficiary financial counseling services make a meaningful difference in the lives of those left behind — providing a sense of stability when it’s needed most.

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Partner

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When a client lost her husband after 40 years of marriage, she needed much more than a good investment plan. She needed a holistic, proactive, and objective team to guide her as she was confronted with important, and at times irrevocable, decisions in areas that were new to her.

Sean More, Partner

Dedicated Support. Personalized Beneficiary Financial Services.

At Cerity Partners, we don’t just advise. We sympathize and empathize. We listen openly to the employee’s loved ones as they talk about their memories and concerns for the future. Then we help them examine each aspect of the deceased’s financial life and identify the actions that must be taken now and in the future to distribute funds, transfer assets and settle the estate. Our support includes the following services for beneficiaries:

  • Employee benefit analysis
  • Estate planning and settlement assistance
  • Investment advisory services
  • Social security and government benefit analysis
  • Insurance planning and placement
  • Cash-flow and debt management

Our goal is to help family members survive and ultimately thrive in their “new normal.”

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Adding Value Without Adding Work

“What’s our role?” “Are we going to receive calls from Cerity Partners in addition to the employee’s family?” “How much time does it take to administer?” We get it. You don’t want to add a benefit that makes the jobs of your HR team even more complex.

Cerity Partners manages the Beneficiary Financial Counseling program for you. Think of us as an extension of your HR team. We work with you to design the benefit and create the launch strategy, then take it from there. We contact the family members, schedule meetings, and guide them through the entire process.

Explore Our Offerings for Corporations and Employees

Executive Financial Counseling >

Your compensation and benefits offerings are a talent retention necessity and, arguably, your executives’ largest source of wealth creation. Executive Financial Counseling helps your senior leaders fully realize these benefits and boost your ROI in the process.

Beneficiary Financial Counseling >

When an employee dies, the greatest gift you can give their family is care and support. Our Beneficiary Counseling Services help beneficiaries navigate the financial challenges that arise after the death of a loved one, helping them adjust to their “new normal.”

Executive Financial Counseling for Individuals & Families >

The financial life of an executive is complicated, and coordinating all the elements takes time. We serve as your personal CFO, providing a more efficient and simpler way to manage your growing wealth.

Financial Wellness Coaching >

Your employees’ financial stress can have a cascading effect on absenteeism, morale, and productivity. Our comprehensive financial wellness coaching helps alleviate this stress, enabling employees to focus on their responsibilities at work.

Joseph Matus

Principal

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Estate Planning

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Probate is the legal process through which a deceased person’s estate is administered and distributed. While it serves an important function, it can also be time-consuming, expensive, and emotionally taxing. Fortunately, several strategies can be employed to help avoid probate and ensure a smoother transition of assets to loved ones.

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Individuals and Families

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Women already face gender-specific financial planning challenges. These include a longer life expectancy and a pay gap that results in lower salaries and lower lifetime savings unless they save a greater percentage of their salary.

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Individuals and Families

Private Placement Life Insurance

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Individuals and Families

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Family Office

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Corporations

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Individuals and Families

Splitting Retirement Accounts in Divorce

When going through a divorce, the process of dividing assets can be a frustrating and confusing one. Retirement assets are an important issue in any divorce proceeding, since, after the marital home, they often represent the largest category of marital assets to be divided in a divorce settlement.

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Cross-Border Planning

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Few countries capture the imagination quite like France. From sipping coffee at a Parisian café to cycling through Bordeaux’s vineyards to retiring under the Provençal sun, France offers a rare blend of culture, history, cuisine, and quality of life. Relocating, however, involves more than a one-way ticket and a charming apartment. France has one of the world’s most sophisticated tax and legal systems.

Select your specialty

Our weekly “What's on Our Minds” provides a comprehensive overview of key market developments, economic data, and the Investment Office’s perspective.

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Investing is a long-term commitment to your financial well-being. It’s about growing and safeguarding your wealth. Our disciplined, goal-oriented approach ensures your portfolio remains resilient in the face of market and economic fluctuations.

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Our sophisticated estate and wealth transfer strategies help you preserve your legacy while minimizing tax burdens. Every recommendation is tailored to your specific needs, leveraging our extensive knowledge of estate, trust, gift, and tax regulations.

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Successfully navigating the financial challenges that come with wealth necessitates planning, relevant advice, and a financial advisor who’s always in your corner. Cerity Partners provides all three.

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Safeguard the financial security you and your loved ones have built. We assess your current risk exposure and develop customized strategies designed to protect the most vulnerable areas of your financial life.

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We design and implement tax optimization strategies, including the creation of detailed tax projections and the preparation of personal, trust, and business tax returns.

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Our family office services free you to focus on what matters most, providing a coordinated team of specialists dedicated to preserving, growing, and protecting your family's prosperity.

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Our integrated retirement plan solutions effectively balance the unique perspectives of your HR and benefits teams, plan fiduciaries, senior leaders, and employees, helping all of them achieve their objectives.

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Divorce marks the end of marriage but also the start of your new life. We can help you navigate the financial challenges of divorce and embrace the opportunities for building a thriving, secure future.

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Just because your professional life is international doesn’t mean your financial life has to be complicated. Cerity Partners has extensive knowledge of U.S. and global tax laws and regulations, and we will work with you to preserve and grow your wealth here and abroad.

Learn More

Your Introduction to a Trusted Beneficiary Advisor Awaits

Discover Customized Financial Solutions for Your Workforce

Tell us about your company's financial landscape at no cost or obligation. Unsure of your needs? Our experts will guide you, offering insights and solutions tailored to the unique needs of your workforce.

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Eric Purdy

Partner

Discover Customized Financial Solutions for Your Workforce.

Call Us: (212) 202-1810

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This 30-minute call with me is designed to better understand your unique financial and life goals and match you with the advisor most well suited to help.

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Eric Purdy

Partner

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We look forward to connecting with you soon.

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