What We Offer: 


 Offerings: Consultation   Planning   Asset Management   Decision Support   Tax Prep

 Components: Planning   Risk   Employee Benefits  Tax   Investments   Retirement   Estate                 

What Is It?


The Employee Benefits component of the PRETIRE program analyzes and optimizes your use of those benefits provided to you by your employer.  Or, if you're self-employed, it helps you to take advantage of those benefits to which you may be entitled as a business owner.


Why Is It Included In The Program?


For many employees, benefits packages are exceptionally difficult to understand.  While the average person understands what medical insurance is and how their 401k plan could help them with retirement, they may not understand the intricacies of those plans or other plans that are offered to them.


For business owners, the day-to-day grind of operating a small business often monopolizes your time so that you become so focused on providing for your customer's needs, that you forget to worry about your own future.  Small businesses can implement many of the same types of benefit plans that are used by large corporations like retirement plans, group life insurance, and other fringe benefits.


In either case, we believe that we can help you get more out of the benefits that are available to you.


How Do We Do It?


For employees, we will review your current benefits package and the way you presently use each component.  This could include medical & dental insurance, life insurance, disability insurance, long-term care insurance, supplemental insurance (AFLAC!!), 401k/403b or other profit sharing plan, stock options or other deferred compensation plans, restricted stock, employee share purchase plans, flexible spending accounts, dependent care plans, and other fringe benefits.  We will analyze your options and suggest any modifications that could improve the benefit your receive.  We will also be available for decision support when you're selecting new coverage (typically at life events or annual enrollment), or if a new plan is offered to you.  In the case of 401k or 403b plans, we will manage your assets in the plan for you as part of our asset management offering if you so desire.

For business owners, we will review your current benefit plans and the way you and your employees presently use each component.  If necessary we will help you to create retirement plans for your business that will maximize your ability to defer tax until retirement.  We will also consider healthcare alternatives (HSA's, group plans) based on the structure of your business.

Do You Really Need Help With It?


Maximizing the use of employee / self-employed benefits is one of the easiest ways to improve your financial situation.  The problem is that there is a lot of work involved in understanding the plans that exist, or if you're the employer, creating the plans yourself.  If you don't have the time or knowledge to do this, you're probably not using your options efficiently.  Letting PWA help you will make a difference.


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