Total Financial Planning
Empower Your Team with Financial Confidence
Provide employees access to professional financial planning services that help them build wealth, plan for retirement, and achieve their financial goals.
What makes it different?
Unlike generic 401(k) education, Total Financial Planning provides personalized one-on-one sessions with certified financial planners. Each employee gets access to the eMoney Advisor Portal to track their financial plan 24/7. Real planning, not just tips.
Understanding Total Financial Planning
Ideal For
Companies with 25+ employees looking to differentiate their benefits package and improve employee retention. Particularly valuable for organizations with aging workforce approaching retirement or high-earning professionals who need sophisticated planning.
Employer Benefits
- ✓Increased Retention
Valued benefit that builds loyalty and reduces turnover
- ✓Higher Productivity
Employees spend less time worrying about personal finances
- ✓Talent Attraction
Differentiating benefit that helps win top candidates
- ✓Retirement Readiness
Employees can retire on time, not delayed by poor planning
Employee Benefits
- ✓Personal Financial Plan
Customized roadmap created with a certified planner
- ✓eMoney Portal Access
24/7 dashboard to track progress toward financial goals
- ✓One-on-One Sessions
Private consultations to discuss sensitive financial matters
- ✓Life Event Support
Guidance for major transitions like home buying or retirement
Generic 401(k) Education vs. Financial Planning
Generic 401(k) Education
(One-size-fits-all)
- •Group presentations on retirement basics
- •Generic advice that applies to everyone
- •No ongoing relationship or accountability
- •Limited to retirement topics only
Total Financial Planning
(Personalized planning)
- ✓Private sessions with certified financial planners
- ✓Personalized plans based on individual situations
- ✓eMoney portal for ongoing tracking and updates
- ✓Comprehensive planning: retirement, tax, estate, more
"87% of employees want their employer to help with financial planning."
eMoney Advisor Portal
All employees gain access to the eMoney Advisor Portal, a secure online platform where they can view their personalized financial plan, track progress toward goals, and access planning tools 24/7.
- ✓Real-time financial dashboard
- ✓Goal tracking and projections
- ✓Secure document vault
- ✓Mobile app access
- ✓Retirement readiness score
- ✓Account aggregation
Planning Services Included
Retirement Planning
- ✓401(k) optimization strategies
- ✓Social Security planning
- ✓Retirement income projections
- ✓Asset allocation guidance
Investment Guidance
- ✓Investment basics education
- ✓Risk assessment tools
- ✓Portfolio review sessions
- ✓Diversification strategies
Major Life Events
- ✓Home buying guidance
- ✓College savings planning
- ✓Marriage/divorce planning
- ✓Inheritance guidance
Frequently Asked Questions
Who are the financial planners?
All planners are certified professionals (CFP®, ChFC®, or equivalent). They act as fiduciaries, meaning they're legally required to put your employees' interests first.
Is there a minimum company size?
We typically work with companies of 25+ employees, but we can customize programs for smaller organizations. Contact us to discuss your specific needs.
How are sessions delivered?
One-on-one sessions can be conducted virtually, on-site at your office, or at our office, whatever works best for your employees. Group workshops can also be arranged.
What does the eMoney portal cost?
The eMoney portal access is included as part of the Total Financial Planning program at no additional cost to employees or employers.
Free Resources
Download resources to evaluate employee financial planning for your organization.
ROI of Financial Wellness
Research on how financial planning improves retention and productivity.
Download PDFGetting Started
Discovery call
Program design
Employee enrollment
Planning sessions
Ongoing support