You may have heard the terms small-cap. mid-cap. or large-cap in your reading about stocks and the companies that issue them. The term cap stands for capitalization and refers to the value of a company.

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Investment Analysis & Portfolio Design

Pre & Post Retirement Planning

Financial Goals Assessment

Retirement Plan Services

We provide a deep level of personalized service and offer an extensive list of retirement plans, including:

Defined Contribution Plans Defined Benefit Pension Plans Employee Stock Ownership Plans Profit Sharing Plans

We provide complete solutions, or integrate targeted solutions into an existing plan. We take the guessing out of finding the best solotuion for your circumstances by providing consulting services to assist your business.

Health & Wellness

You are very aware that controlling healthcare costs is one of the biggest challenges you face as an employer, but we can help you in identifying simple and smart solutions. Offering quality, affordable healthcare plans to your employees requires a coordinated effort involving your company, your employees and an experienced benefits partner. Healthcare claims are the biggest driver in increasing overall costs. When you reduce claims, you reduce premiums and the overall costs of healthcare.

Our Solutions Include

EFFICIENT PLAN DESIGN  — We assist companies in the evaluation of options to find the health plan that works best for them.

HSA AND HSAmSM  — We offer flexible, portable Health Savings Accounts that accumulate tax-free funds to pay qualified out-of-pocket healthcare expenses. Companies have the choice of making discretionary (HSA) or matching (HSAmSM*)contributions, similar to a 401k. Our plans help reduce costs by encouraging consumerism in employee healthcare spending.

*You must have an established Cafeteria Plan under Code Section 125 to provide employer matching contributions.

PREVENTION AND WELLNESS  — Unhealthy groups can pay twice as much for health insurance than healthy groups. Our approach includes preventive exams, workplace health screenings, wellness education, and personal health assessments.

E-HEALTH AND TELEMEDICINE  — We give employees quick, easy and cost-efficient access to board-certified doctors, licensed psychologists, nurses and an on-line searchable educational video library.

TOOLS TO HIRE HEALTH-MINDED EMPLOYEES  — Personality and personal values profiling helps identify and retain employees most likely to embrace an emphasis on wellness.

Our overall goal is to improve the health of employees, which not only reduces healthcare claims and costs, but also cuts absenteeism, all of which contribute to an improved bottom line for your company.

Benefits Communication & Education

We coordinate comprehensive communications programs to introduce new benefits to employees, address their concerns and ensure they get the most from their plan.  We create custom presentations that deliver the key points to ensure comprehension of the benefits your organization provides.

We work closely with clients in a coordinated communicaton effort.  We also offer custom educational materials and on-site, telephonic and webinar enrollment services, taking much of the burden of your annual open enrollment off your shoulders.