Strategic Wealth Management For Employees

A successful retirement is obviously a significant and prominent goal for many of us.  With an uncertain lifespan, volatile economies and investment markets, potentially higher medical costs and other expenses, this goal is a challenging one.  In the past, many Americans counted on pension plans and other sources of income during retirement.  Over the last two decades 401 (k) plans have placed much of the burden of managing wealth and saving for retirement, directly on the worker.  We believe the results have been less than stellar.  Financial Fitness™ training may provide excellent group education in regard to financial wealth management.  The next step is one -on -one consulting directly with the employee participants.  KSA either contracts directly with the employer to provide this benefit, or KSA is available for hire directly by the employee.

Financial concerns range from “how do I maximize my employer benefits”, to retirement questions, college planning for kids, elder care planning for parents and everything in between.  Questions can be as detailed as “what is the best way for me to save for retirement?” to “How do I protect the assets, I have worked so hard to accumulate”.  Overpaid taxes, bad investment choices, market volatility, recessions and unintended beneficiaries are subjects that must be confronted and dealt with by creating a strong wealth management strategy.

The dedicated strategic wealth management team at Ken Stern & Associates will take into account important aspects of your finances and current investments and devise a long-term wealth management strategy for you that seeks to keep its eyes far ahead, to your family’s future. We demonstrate our dedication to your future by adding the Alpha System to your wealth strategy, an advanced wealth planning strategy—this is an added emphasis on you as an individual, and your wealth plan will reflect that.

WE BELIEVE IT IS CRITICAL THAT ALL WORKING INDIVIDUALS TAKE A SERIOUS, CALCULATED STAND TO GROW AND PROTECT WEALTH.

Striving to accomplish this, the money management specialists at Ken Stern & Associates, provide Financial Fitness™.  Financial Fitness^TM is a customized financial empowerment course designed to encompass important aspects of a family’s asset growth, protection and legacy planning.  Bringing together the trilogy of wealth, tax and estate planning, we believe our education is so successful because we provide ESP…

Education
Strategies
Plan

Employees work with Ken Stern & Associates one of two ways:

1. If you are an employee of a firm that has engaged KSA’s Corporate Planning Services you will benefit from our wealth planning services as an additional benefit of your employment.
2. Individuals may also hire KSA for private wealth planning and asset management services.

Curriculum

Employee Fiscal Fitness

This workshop is designed primarily for the general employee population. Upon completion of the workshop, the goal is for the participant to have; created a Lifetime Fitness Plan, possess a clear understanding of taxes, estate planning, investment management (including 401(k) and maximization of employee benefits), and specific action items and deliverables that may help ensure that the concepts are implemented.

Each Financial Fitness trainee will be allowed to return (with their significant other) for a 1-hour session where further emphasis will be placed on plan implementation and maintenance. We will go over a ‘couples planning task list’ as well. These sessions take place after work hours, and can be held on-site or off-site. Sample topics include:

• Financial Conditioning Today
• Sculpting Retirement
• Shield your Assets
• Strategies to Cut the Financial Fat – Understand your Budget
• Valuable Life Lessons – Plan for the Unforeseen
• 5 Problem Areas
• 401(k) Maintenance Program

Executive Strategy Sessions

This program is designed to provide a more detailed and advanced education for executives, officers, and tenured employees. We teach advanced investment, tax and state planning as well as asset protection strategies. While qualification is at the discretion of the employer, a guide for participation would be participant income in excess of $150,000 or net worth in excess of $500,000 (excluding home, but including 401(k) and other retirement assets).

Sample topics include:

• Advanced Estate Planning, Asset Protection, and Succession Planning
• Advanced, Lifetime Financial Fitness Planning
• Teamwork 1 – The Ultimate Family Meeting
• Teamwork 2 – Create and condition your Board of Directors
• Power Walk through Essential Life Decisions
• Target Practice – Must Do’s at age 35, 45, 55, 65…
• Take 5 – Best and Worst Money Moves for the Affluent Investor
• Options & Other Corporate Benefits
• Tough Taxes

Set aside 2 hours to have their benefits and financial issues explained by unbiased professionals. They will have a new appreciation of the benefits package you have already provided for them!

We feel strongly that employees are often motivated more by “job satisfaction” and by “feeling a sense of worth” than they are by salary alone.