Essex Presentation

presents

IQ

Financial Wellness for Today’s Employees

•25+ years financial, banking & mortgage

experience.

•Founded in 1986/an Orange County based

company.

• Proud provider of the Nation’s most widely

accepted corporate mortgage & Real Estate

benefits plan.

The HOMEBenefitIQ Program

Copyright, BenefitIQ, LLC, 2011

Roland WeedonPresident

3

Joshua Han

• Corporate Real Estate Benefits Expert

• Experienced Insurance Professional

• Recent Graduate from CSUF; Department of

Business Management

• 3+ Years Insurance Industry Experience, and

Financial Services

• Provider of the Nation’s most widely accepted

corporate mortgage & Real Estate benefits plan.

The HomeBenefitIQ Program


Joshua K. HanLoan Officer Intern

IQ

Today most employers offer their employees traditional benefits at a substantial cost burden to the employer. Traditionally these include:

Medical/Dental/Vision

Retirement/401K/Tuition Reimbursement

In today’s competitive environment you must continually seek value-added benefits that cost little or nothing.


5

Over the next decade employers will be looking for a new benefit - Financial Education

~Employee Benefit Trends 2009 Survey



* Increases employee loyalty

* Demonstrates to employees that you care about them and their family

* Increases financial well-being

Financially sound employees are more productive

* Reduces stress and increases productivity

Financing a home (moving or refinancing) is one of the top three most stressful

endeavors

*No cost to the company/organization

* Exclusive, benefit portal accessed through HomeBenefitIQ.com

* Little or no administration required on your part—we do all the work


Our Results driven offering…Problems: 92% of employees are losing sleep due to financial worries!

Worries: Presenteeism…employees are showing up for work, but are more worried about their financial issues than they are about getting their jobs done.

What are others doing about it? 83% of 450 HR Professionals surveyed said they are considering providing employees with educational literature and/or

workshops by (local) specialists.

Fears: Absenteeism… employee absence accounts for the equivalent of 35% of base payroll.

Bottom line: The average worker spends 16 hours a month, or 10 percent of a 40-hour work week, on non-work related issues due to financial concerns.


Financially Stressed Employees Can Stress A Company’s Bottom Line


The NEED for Financial Wellness in the Workplace

*A recent study by the Personal Finance Employee Education Foundation sited that 4 hours of every work week is used by an employee on personal financial issues.

*To an employer with only 150 employees that equates to a loss of approximately $450,000 per year (assuming an annual wage of $30,000 per employee).

The HomeBenefitIQ program is not only beneficial to the employee, but clearly the employer as well.

*No up-front application fees

*Friendly, quality experience

*One-on-one relationship with your Mortgage Advisor Team

*Customized mortgage solutions for your employees

*Rates and fees not available to the general public

*Price clarity — know the cost of the loan prior to committing to the process

*All employees are eligible and it's completely voluntary

*Benefits can be extended to family and friends

*Complete confidentiality

*Dedicated staff

*Educational “Lunch & Learn” seminars available


12

Monthly, your service provider can provide your employees, an email newsletter that offers relevant information about Real Estate, personal finance, and updates on Member Privileges/Employee Perks.

We can, upon your request, hold training seminars on-site with topics like: *Home Today; Secure Tomorrow - First-time home buying

*Fiscally Fit - Credit enhancement

*Buying investment properties and vacation homes

*Choosing an “adjustable rate” or “interest only” loan program


*

Lets’ look at the actual site your employees can see and utilize.


Be

nef

itIQ

’s T

ech

no

logy

is U

np

aral

lele

d in

th

e In

du

stry

Employees gain access to your benefit program through the HomeBenefitIQ web platform.

<insert><insert>

15

*Once logged-in your employees engage with their pre-screened bundle of service professionals thus saving them time and money.

16

Additional“Professional

Partner” categories can

be added to the site. All

designed to save your employee

time and money.

17

*

*Especially in today’s economy people are looking for ways to save money. Whether it is for movies, sporting events, museums, Disney tickets or automotive services, everyone likes a discount.

*Here is an easy way to offer a simple solution that will show the company is thinking of their employees:

18

*Employees can easily access the assortment of National or local Essex Perks vendors via “Membership Privileges”.

*Local discounts via “Local Are Discounts”

19

*Simply click on the “Essex Perks” link:

20

*Click Northern or Southern California.

21

*Pick your broad, or specific, category.

Example:

Entertainment

22

*Pick your choice vendor.

*AMC Theaters

23

*Follow prompts to order and enjoy your discounted tickets.

*40% Off

1. Sign the Employer/Organization Acknowledgement

2. We establish a “Launch Date” for the program

3. On Launch Date:

* You email your employees that a new benefit has been added. (We can provide you with standardized email text.)

* We provide you with a letter that explains the program. This letter is inserted into your New Member Packages and given to all employees, and HomeBenefitIQ member cards are issued.

* Provide you with lunchroom/break room/worksite posters.

4. Monthly-We will provide you with an e-newsletter that keeps the employees/members up-to-date on the changing mortgage/Real Estate market, along with updates to the “Member Privilege” section.


*Envision the potential power of networking with your Professional Partners.

HBIQ Rep & Professional

Partner

Financial Advisor with 500 Clients

Real Estate Agent, Financial

Advisor, Insurance Agent. # of

Clients?

The potential is endless as you, and your professional partners, promote the Home Benefits package to their sphere of influence. Picture the ability to market to thousands of employees.

# of potential businesses?

26

Thank You!

ARE YOU READY? 1. TO IMPLEMENT A PLAN2. TO INCREASE PRODUCTIVITY3. TO DECREASE ABSENTEEISM4. TO REDUCE TURNOVER

LET’S GET STARTED!

Date post:	11-Jul-2015
Category:	Economy & Finance
Upload:	kachosen576
View:	584 times
Download:	1 times

Essex Presentation

Economy & Finance