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81%
of executives would gain greater peace of mind if all financial counseling services were provided by one partner
50%
of C-suite executives don’t fully understand their compensation and benefits packages
54%
of executives say that financial challenges cause them the most stress
Source: 2017 HR Report: The State of Executive Financial Counseling – AMG National Trust Bank
Impactful Advice. Simplified Administration.
You invest significant time and resources designing competitive compensation and benefits offerings. They’re arguably a talent retention necessity and executives’ largest source of financial stability and wealth creation. But many executives lack the time or in-depth knowledge to fully integrate these offerings into their financial plans.
How can you help your executives appropriately and fully utilize their benefits and boost your ROI in the process? With Executive Financial Planning and Management.
These Executive Financial Counseling services provide your senior leaders with the personalized advice they need plus a more efficient way to manage their financial lives—giving them more time to focus on your organization’s long-term growth and profitability.
Executive Financial Planning for Corporations
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Efficiency
One dedicated contact who serves in the executive’s best interest and tailors goals to their unique financial situation.
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Attain & Retain Talent
Helping executives fully utilize their benefit and compensation packages increases their appreciation of your organization.
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Objectivity
We listen first before offering solutions. Our clients receive objective advice tailored to their specific financial goals and priorities.
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Risk Mitigation
Our financial advisors’ objective advice and extensive oversight help ensure compliance with tax laws and other regulations.
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Expertise
We have broad and deep wealth planning, investment, and tax expertise.
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Experience
Our senior advisors have extensive investment, law, tax, financial planning, and wealth management experience.
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Data Driven Results
With their financial concerns addressed, executives can focus on their professional responsibilities.
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Increased Capacity
We serve as a dedicated resource for your executives, enabling your HR and benefits teams to concentrate on their other priorities.
We strategically guide clients to help them maximize their employment offerings, as it plays an important role in providing them with a clear road map for achieving their personal financial goals."Kathryn Kennedy, Partner
Dedicated Support. Personalized Financial Planning for Executives.
Executives work one-on-one with a dedicated financial planning advisor who has extensive knowledge of executive compensation and the vital role it plays in an individual’s current and future financial landscape.
Together, they’ll create a customized, comprehensive wealth management plan that encompasses every aspect of the executive’s financial life:
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.
How Do We Compare
| Cerity Partners EFC program | Other Programs | |
|---|---|---|
| Fees and Commission | ||
| Annual account maintenance fee | No | Generally, an added charge |
| Incentives to steer clients towards proprietary products | No | In many cases, yes |
| Investment Solutions | ||
| Open architecture | Client choice | Often firm directed |
| Investment Recommendations and Fiduciary Solutions | ||
| 401(k) and other qualified plans | Not necessarily | |
| IRAs | Not necessarily | |
| Nonqualified plans | Not necessarily | |
| Personalized investment accounts | Not necessarily | |
| Reporting on Accounts Outside Firm | ||
| Stocks and fixed-income investments (cash, CDs, bonds) | Not necessarily | |
| Mutual funds and separate account money managers | Not necessarily |
Adding Value Without Adding Work
Launch
EFC benefit is announced, and Cerity Partners financial advisors schedule introductory calls with eligible executives
Information Gathering
Cerity Partner advisor and executive discuss goals, concerns and priorities, and executive provides materials for review
Counseling Meeting
Cerity Partner financial advisor and executives discuss various planning topics: CP advisor makes recommendations and emails summary
Introductory Conversation
Cerity Partner advisor explains the benefit in more detail and executive elects the services
Analysis
Cerity Partners financial advisor examines the materials and schedules a meeting within four weeks of receiving the information
Ongoing Support
Cerity Partner advisor and executive meet no fewer than 4 times per year
