Foundation for Personal Financial Education

 The workplace has many opportunities to provide education as employees experience life evens: home purchases, retirement, family additions and health changes.

  Today, layoffs represent a significant concern among employees and what better place than the workplace to provide support and education to help them cope. 

 Using the workplace as a financial and emotion education classroom is a tremendous opportunity to increase productivity, goodwill, and loyalty.

Downsizing

 Cutbacks of any kind are always tough for a company, but deciding to downsize is often the most difficult decision a manager will ever make.

 Financial Concepts and Solutions provides an HR Downsizing service that will help you navigate through uncertainty to long-term stability.

 Our support network includes financial experts, a psychotherapist. and a life coach to help you provide financial, emotional, and professional support to the employees you have to let-go.

 We also help you fuel productivity, aid recovery, boost morale, and minimize damage by support retained employees through this uncertain and stressful time.  This service is in conjunction with FPFE.  There is no cost to you or your organization.

401(k) Alternatives

 Relying on a 401k as the only source of retirement income could be risky.  Most 401k's fluctuate with the market.  When it comes time to withdraw the funds, will the market be in an upswing or a downturn?  Without a crystal ball, there's really no way to know.

 401k programs also carry with them potentially large liabilities and administrative headaches for business owners.  While 401k's are valuable to some, we do not feel that they are the one size fits all solution for all businesses and their employees.

 We offer solutions that add a measure of certainty for plan participants and simplify the administration and eliminate costs and the potential liability to business owners.

 Our alternative plans allow an efficient and economical way to sponsor a retirement plan without filing requirements and administration fees.  The employer contributions are federally tax-deductable and you can add a unique guaranteed income feature not available in most traditional 401k plans.