Employee Financial Education Programs

For companies interested in helping their employees learn more about their retirement plan as well as financial planning in general, Rosetta Financial offers employee education programs.  Because these programs are paid for by the employer, no specific products or services offered by Rosetta Financial are discussed.  The programs are purely educational in nature and are customized for each company and each group of employees.

Over the last 11 years we have spoken to more than 30,000 employees of our corporate clients which range in size from 25 employees to the Fortune 100.  We have spoken before professional organizations of attorneys and CPA’s as well as manufacturing assembly-line employees.  The one thing these organizations had in common was their desire to better educate their employees so they had the tools to successfully plan their retirement and manage their financial lives.

The Retirement Planning Program

This program begins with a one-hour group seminar in which we touch on demographic trends affecting retirement, likely changes to social security and defined-benefit plans, the need for increased personal savings and the ability of the company-provided retirement plan to meet those needs if utilized correctly.

We discuss the broad categories of investments in general, the specific options available in the company’s retirement plan and the inherent risks and rewards of different investments.  Finally the stock market and its short-term and long-term trends are reviewed.  The emphasis is on long-term investment strategies and the importance of asset allocation.

The Fundamentals of Financial Planning

In this one-hour seminar we discuss the five fundamentals of a good financial plan, including the benefits provided by the company.  In addition to explaining the company provided benefits, we help employees better understand IRA’s, mutual fund investing, college funding options, sound investment strategies and the basics of life insurance.

For more information on our Employee Financial Education Programs, please e-mail us.

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Executive Financial Planning

This customized benefit is provided to Director or VP-level executives and above and their spouses.  All executives eligible for the program will meet with a Certified Financial Planner with in-depth knowledge of the executive planning environment.  The planning process includes an in-depth analysis and financial review as well as recommendations for any areas needing attention, including:

• Strategies for short, intermediate and long-term financial goals
• Emergency fund review
• Retirement portfolio review {401(k) plans, IRA’s, annuities, etc.}
• Asset allocation analysis
• Review of life, disability and long-term care insurance coverage
• Estate planning review
• Consolidation of existing investment and insurance accounts
• Investment tax planning
• Stock option plan review

For more information on our Executive Financial Planning, please e-mail us.

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Retirement Plan Due-Diligence Review

This service is available to any company that offers a defined contribution retirement plan such as a 401(k) to its employees.  When offering such a plan, the company has a fiduciary duty to ensure that the plan offers a complete investment line-up of well-managed funds with reasonable expenses.

Since we do not manage the plan assets, we serve as an independent third party expert hired to analyze the retirement plan and the investments.  We then report our assessment to the retirement plan committee on a regular basis with a detailed analysis of how the plan is doing and if the investments are performing as they should.  When necessary, our report will include recommendations for plan changes and improvement.

Our regular report to the retirement plan committee includes proprietary mutual fund analysis and scoring that incorporates many variables including:

• Investment manager status
• Expense ratio and style consistency
• Performance and risk vs. the fund’s peers and benchmarks
• Standard deviation and Modern Portfolio Theory metrics
• Company stewardship of client assets
• Recommendations for plan improvement
• Other criteria as deemed necessary and as outlined in the agreement for services

The fee for the retirement plan due diligence review will vary depending on the desired detail of the reports and the frequency of our reports to the retirement plan committee.

When the needs of our corporate clients dictate, we frequently bundle our retirement plan due-diligence service with our employee education program detailed above.  This combination of services greatly reduces any future claim an employee may have that the employer did not fulfill their fiduciary duty.  It also lets the employees know their employer wants to provide not only a first-class retirement plan but also the knowledge to maximize its potential.

For more information on our Retirement Plan Due-Diligence Review, please e-mail us.

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Business Owner Services

Business owners are presented with unique challenges when it comes to planning for their own retirement, the succession and continuation of their business as well as protecting their business against the loss of key employees.

As business owners ourselves, we fully understand the need to plan for these situations even though there always seems to be more important priorities for your time and capital.  Our job is to step in, make an assessment and fix what needs to be fixed with minimal demands on your time and cash flow.

For many entrepreneurs that own their own business, that business is most likely their largest investment, their retirement plan and their estate plan, all rolled into one.  For these individuals we must address the various risks to the business or we have failed to safeguard our client’s most important asset.

For business owners, the planning process begins with an analysis of the specific planning needs of that business and its owners.  Once the most serious risks and hazards are identified, we recommend and implement the strategies that will eliminate or mitigate these risks to our client’s business.

These services often include:

• Buy-sell insurance planning to ensure a smooth continuation of the business in case of the death of an owner.  This also ensures that the deceased owner’s family is protected and that they receive a fair value for their portion of the business.

• Key man insurance planning to protect the company against the loss of the few, valuable individuals on whom the company’s present and future success is built.

• Deferred compensation plans to assist owners and other key employees in setting aside retirement assets outside the IRS regulations of qualified plans.

For more information on Business Owner Services, please e-mail us.

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