Professional Financial and Investment Advice for Employees

Professional Financial and Investment Advice for Employees

It can be difficult to see our own blind spots, especially when it comes to our finances. That is why objective financial and investment advice is so important.

The truth is that most of us assume that because our bills and day-to-day expenses are covered, then everything must be okay — but true financial wellness means more than just having enough for today, it means having enough for the rest of your tomorrows too.

Your employee’s level of personal financial adaptability impacts many aspects of their lives - from their ability to take advantage of opportunities at work to how satisfied and motivated they feel in life overall.

Providing a financial advice benefit allows employees to access trustworthy, life-changing information that they might not otherwise get.

Give your employees that life-changing gift

How financial advice benefits employees

Of course, financial literacy is something that employees could teach themselves with time, but working with a financial advice professional comes with a number of benefits:

  • Objective advice

    Emotion can often get in the way of making sound financial decisions. Advisors are able to look at each employee's financial situation objectively and use their knowledge and experience to recommend what is best for the client's unique situation.

  • Having a person on the inside

    An advisor will have insight into trends in the market that might not be apparent to everyone yet. This helps employees prepare for the future and adjust their investment portfolio as needed.

  • Find the right combination of assets

    When it comes to investing, avoiding possible setbacks is just as important as achieving maximum growth. We can assist your employees in diversifying across asset classes, which will help them spread out their risk and position them for strong, long-term returns.

  • Get actionable steps to take

    Getting financial and investment advice is great, but knowing where to start is where many people struggle. That’s why our customized plans come with actionable steps to guide your employees every step of the way.

  • Peace of mind

    Money can be a complicated part of life, and there are many things to think about when trying to keep it safe and growing. Having a good financial adviser can help your employees get past the hype and point them in the right direction.

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How this Benefits Employers

How a financially savvy workforce benefits you as an employer:

  • A motivated workforce

    A motivated workforce

    Employees who receive financial advice are more likely to feel confident in their ability to make sound decisions that result in long-term benefits. It gives them a sense of control that can also give them greater motivation to perform well at work.

  • Decreased absenteeism

    Decreased absenteeism

    Finances are a leading cause of stress, and when a person is under stress for a long time, it can lead to chronic anxiety, depression, inability to focus, bad judgment, and various other illnesses. By getting to the root of the problem, your employees will be much more present and healthier – both physically and mentally.

  • Increased company loyalty and improved retention

    Increased company loyalty and improved retention

    Employees who feel empowered by their employers are far less likely to resign or be on the lookout for better opportunities, and they will be far more likely to advocate and promote the company.

  • Improved Work Performance and Productivity

    Improved Work Performance and Productivity

    When employees are financially well-off, they'll be less distracted by financial troubles and have the mental capacity and energy to focus and be more productive at work.

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Investment advice that works

At Financial Mosaic, we take a holistic approach to financial and investment advice:

Risk profiling

A risk profile is one of the most important elements of financial planning because it’s not just about assessing risk but also identifying opportunities to manage it. We can help your employees understand their risk profile and how it matches up with the various risks involved in the various financial products available.

To do this, we conduct a simple questionnaire for each employee that determines their attitude toward different types of investments as well as their ability to withstand market volatility. We are then able to take this information and, by using our industry knowledge and industry-leading software, provide each employee with a comprehensive analysis of their risk profile. This will include their risk tolerance and risk capacity.

Consideration of all investments

We aim to leave no stone unturned when it comes to your employees’ financial well-being. We don’t’ just consider your employee’s 401(k) or IRA but all their investment accounts, including a brokerage account or taxable investments. Their goals, lifestyle, investment objectives, and strategies are all taken into account when we provide them with a recommendation on how to allocate their assets.

Specific and personalized financial plans

We understand that everyone's financial situation is different. Our recommendations are specific and customized to each employee's circumstances. With our help, they will have a clear understanding of how to take steps that will lead to long-term financial success.

All financial recommendations will be tailored to their unique situation and needs. We’ll take the time to review all their accounts, including retirement plans, savings plans, as well as other assets and policies.

As part of our service, we’ll provide clear, actionable steps for implementation so that they can start making progress toward reaching their goals straight away.

Fiduciary Experience

We are registered investment advisors and, therefore, are legally and ethically bound to act in each employee's best interest. This is known as the "fiduciary duty," which is a standard of conduct that requires us to always act with the utmost character, integrity, honesty, and good faith.

We do this by providing financial and investment advice that is solely focused on helping your employees achieve their goals with complete transparency—and never giving advice based on what we think would benefit us personally or financially, causing a conflict of interest.

Do you want to be an employer that helps your employees thrive?

Contact Financial Mosaic