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WORKPLACE FINANCIAL COUNSELING

a financial benefit for your employees

Help your employees navigate life’s financial complexities

Ayco's financial counseling programs help create a more productive, financially well and engaged workforce.


78%

of employees believe that employers should assist them in achieving financial wellness during their working years*



Partner with Ayco


ENHANCE PRODUCTIVITY & FOCUS
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We provide expertise and resources to help create a workforce that is less stressed about finances and more focused on driving business.

OPTIMIZE BENEFITS & COMPENSATION
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We act as an extension of your benefits team to help increase workforce retention by boosting awareness of the value of your company’s compensation and benefits.

NAVIGATE RISK
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We apply a holistic approach to corporate risk management by assisting in adherence to company procedure, regulatory policy and tax laws.


We provide financial planning and education for every career stage—and at every level of financial complexity
 

Select the employee populations of interest:

Explore programs
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Sophisticated solutions to streamline the intricate financial lives of high net worth families. Ayco helps save time and offers peace of mind through service provider coordination, advanced risk management and legacy preservation strategies.

Families at the highest complexity levels may have:

  • Multiple investment providers
  • Multiple entities (foundations, partnerships, funded trusts)
  • Alternative investments
  • Multiple homes
  • Domestic employees
  • Private travel fleet
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Designed to address the financial complexity of your senior executives. Ayco provides proactive, comprehensive planning and guided implementation delivered through a one-on-one relationship.

Benefit to the company:

  • Help give valuable time back to executives that can be used to focus on the business
  • Cultivate a deeper appreciation for executive compensation and benefits
  • Assist with navigating corporate risk on tax, regulatory and reputational issues
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Designed specifically for mid-level executives experiencing a greater level of financial complexity as their careers advance. Ayco provides strategies to help build wealth, protect assets and make smart decisions about an expanded array of compensation and benefits programs.

Benefit to the company:

  • Help retain emerging leaders
  • Improved understanding and utilization of increasingly complex compensation and benefits
  • Extension of the benefits team, providing insights on the employee population
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Financial education and guidance for every career stage—from people entering the workforce through retirement. Our approach focuses on your employees achieving financial wellness through sustained engagement and an improved understanding and utilization of your company's compensation and benefits. 

Benefit to the company:

  • Reduced stress, absenteeism and healthcare costs can lead to increased employee productivity
  • Feedback and insights on employee utilization and behavior
  • Integrated workforce planning
  • Promote benefits and motivate employees

 


Multidisciplinary approach

Financial planning discussions vary depending on the financial counseling program offered.

 

BENEFITS & COMPENSATION

Education on all benefit plans to drive optimization and utilization

   

CASH MANAGEMENT

From budgeting and debt management to forecasting liquidity needs and long-term wealth accumulation

 

RETIREMENT PLANNING

Integration of benefit plans, from 401(k) contribution considerations to sophisticated modeling of spending and wealth accumulation

 

TAX PLANNING & STRATEGIES

Review of opportunities to navigate tax obligations, from deductions to withholding sufficiency and preparation of income tax returns

 

INVESTMENT PLANNING

Comprehensive assessment of risk and return with the aim of strategic portfolio construction

   

INSURANCE

From identification of insurance needs to actively mitigating exposure to risk across tax, regulatory and company policies

 

ESTATE PLANNING

From education and guidance of the creation of basic estate documents to tax-efficient wealth-transfer strategies


Why Ayco?


OUR EXPERIENCE

Our exposure to hundreds of public and private compensation and benefits plans across America allows us to provide financial counseling in an ever-changing landscape.

OUR COMPREHENSIVENESS

We apply multiple financial disciplines to every decision and coordinate across relationships, acting as an extension of existing service providers.

OUR ADVISORS

Our associates provide objective and confidential financial planning, and they benefit from ongoing learning throughout their careers.

OUR TECHNICAL EXPERTISE

Internal groups provide support in the areas of investments, benefits and compensation, insurance, tax policy, estate planning, training and development.


400+


U.S. corporate programs
 

50+


of the Fortune 100 advised
 

47


years providing financial counseling
 



SurvivorSupport - An additional service to integrate in your program

SurvivorSupport® offers specialized financial guidance in times of personal crisis and loss. It brings an empathetic touch to financial planning at a time when individuals and families are overwhelmed with difficult decisions. Our Ayco advisors are sensitive to the emotional as well as the financial impact of the situation.

This service is designed to coordinate, not replace, the efforts of human resources personnel and the client’s attorney, accountant, insurance agent and broker.


OFFER A FINANCIAL COUNSELING BENEFIT TO YOUR EMPLOYEES 

Contact corporate sales to get started.

*The Value of Employees’ Financial Wellness. CFO Research/Prudential. The Prudential Insurance Company of America, Newark, NJ. ©2016 CFO Publishing LLC.

Tax preparation services vary and are dependent on company program.

As of April 2018.