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Retirement Plan Advisors

The Untapped Marketing Of 401(k) Millionaires: Uncovering Wealth Management Opportunities

Did you know that many soon-to-be retirees have quietly become millionaires? What's even more interesting? These "401(k) millionaires" are unassumingly hiding in your retirement plan. As their plan advisor, you are in the advantageous position of being connected to individuals who have amassed substantial wealth simply by starting early and saving regularly. Don't miss out on this enormous opportunity for your business, especially if you want to capitalize on the convergence of wealth management and retirement. Read on for tips to effectively engage this population.

Related Resources

Secure 2.0: Critical Changes for Your Business in 2025

A quick search on the internet will yield countless articles about the SECURE Act 2.0. The Act relies heavily on businesses to support and guide their employees into a comfortable retirement. Many provisions in this act take effect this year - are you in compliance? Our quick checklist will give you a simple view of the mandatory changes this year and other optional opportunities that could help you retain talent and maximize impact for your employees.

The Do's and Don'ts of Open Enrollment

If you're an HR professional, you work hard to organize benefit offerings, especially as open enrollment approaches. The work can be daunting, and employees can easily feel overwhelmed sifting through new benefits and considering potential changes to their elections. How do you communicate clearly and answer employee questions without overwhelming them? Here is a simple list of dos and don’ts when it comes to your strategy and communications that will help you prepare for the best open enrollment season ever!

Financial Wellness Providers: A Side-By-Side Comparison

There are dozens of financial wellness providers on the market today. How do you make sense of all the jargon? How can you quickly determine which will be the most natural fit for your business priorities? In this streamlined chart, we’ll give you a detailed breakdown of key features and services, showing you how the competition stacks up and equipping you to make the best decision for your business.

The Future of Financial Wellness: Trends for 2025

As the new year gets underway, HR departments and benefits managers are abuzz with efforts to engage and retain employees. Workplace wellness is a key trend dominating the marketplace overall, especially as we read about "The Great Detachment," with record rates of disengagement, coupled with high burnout rates among employees. What trends will be most useful for keeping employees content at work in the coming year? What can you do to help your employees feel supported and cared for by your organization? This article has your answers.

User Success Story: Rebuilding Financially After A Divorce

In this user success story, you'll learn how SmartPath coaching helped this user turn her life around, with a dramatically improved credit score and a 70% increase in savings! Interested? Click to download!

User Success Story: How One Call Helped Eliminate $9K in Debt

Instead of spinning his wheels and accumulating interest, our client got decisive support and conquered his debt! Read on to see how this SmartPath coaching client was able to make a clear plan to eliminate his $9K worth of credit card debt, after just one call with his coach.

User Success Story: Uncovering $60K in Student Loan Forgiveness

Read on to see how a SmartPath coaching client learned that $60K of her student loan debt could actually be forgiven. Instead of budgeting for a hefty loan payment, this client was able to see much of her debt erased, thanks to some savvy recommendations from her SmartPath coach.

SmartPath Packages

In addition to our regular course and class offerings, we also offer custom classes and videos that support your business objectives. Download to read more about some of the packages we offer and see how we can support you in communicating important topics like retirement plan information, equity awards, open enrollment, and more!

Mind the Gap: How Organizations Can Champion Retirement Savings Equity

The racial wealth gap is not a new phenomenon in the United States. But what many people don't know is that this gap is, in some measure, perpetrated by an unlikely culprit: unequal retirement savings. This article delves into the reasons for this growing disparity and gives you practical solutions for how you can effectively resource Black participants with timely education and increased opportunities to save.

9 Unconventional Gifts for Employee Appreciation Day

If you manage people or work in human resources, you know better than anyone the importance of showing your employees your gratitude when Employee Appreciation Day comes around in the spring. But the perennial problem...how do you select a thoughtful gift that employees will truly enjoy without breaking the bank (or going crazy!) We've got you covered. Check out this infographic for easy gift ideas that your employees are sure to love.

Retirement Plan Advisors

Key Ways to Take Charge of Your Data

Maintaining and organizing data can be a major headache for almost all industries, and the retirement planning space is no exception. To best serve your clients and propel your business into the future, you'll need up-to-date and accurate information about all of your participants. Who maintains data at your organization? How do you know if it's accurate? Read this article to learn more about the roots of this persistent problem, the risks of murky data, and incisive strategies for resolving your data problem once and for all.

SmartPath's Theory of Change

How does a financial wellness solution really work? How do people get better at managing their money? In other words, how do people change? This article describes SmartPath's tested method for creating change in the lives of our users. Read on to learn more about our strategy for rewriting bad habits and helping people move forward in their financial lives: one good decision at a time.

Case Study: How A Financial Coaching Program Helped Reduce Healthcare Costs

When employees overuse emergency rooms and underuse primary care, costs soar because emergent care is nearly always more expensive than preventive care. It's been suggested that a financial wellness program may influence more proactive usage of healthcare services. This study conducted by Merative aimed at examining that link and found that employees who engage with SmartPath reduced their overall medical spend and increased their engagement with preventive care. Read on for the details!

10 Easy Ways to Engage Employees this Fall

As the air turns cooler and back-to-school season gets underway, you’re probably wondering where the time has gone and how to keep your employees engaged in a very busy season. Our latest article, 10 Easy Ways to Engage Your Employees this Fall, can help! Get fresh ideas for how to energize your employees and give them something fun to look forward to as we move into the fall months.

Retirement Plan Advisors

Navigating Secure 2.0: Essential Changes for Advisors in 2025

Since the passing of SECURE 2.0, new phased requirements have kept plan advisors, sponsors, and administrators on their toes as they ensure their plans are compliant with all recent legislation. In 2025, several new provisions will take effect. Are you ready for these changes? To save you time, we've gathered all the most important, need-to-know details in this article - download to learn more!

Facts Over Fear: How to Think About Finances this Election Season

Many Americans are filled with fear as they think about the outcome of the election in November. Will the stock market react strongly and negatively impact my investments? Should I change my overall retirement strategy? Are there things I can do to be more prepared now? In this article, we cut through the noise and give you the facts so you can protect your finances, regardless of who takes office.

SmartPath Features and Upgrades

This sheet will give you a quick look at what you can expect when you purchase SmartPath and how you can customize our product with optional enhancements to craft the perfect offering for your users.

Customer Portal

The SmartPath Customer Portal is a fan favorite among our clients. Check out this sheet for details on how our portal can give you real-time insights and help you evaluate your users' experience and the effectiveness of the program.

Retirement Plan Advisors

Case Study: How SmartPath Discovered Gen Z’s Thoughts and Behaviors Around Retirement Savings

In this original research, we take a deep dive into the savings habits and preferences of Generation Z, the youngest generation entering the workforce. We explore social media habits, conversations with family and friends, saving goals, and retirement expectations. Download the article for an inside look at how this generation is (or isn't) preparing for retirement.

10 Easy Ways to Engage Your Employees this Summer

With warmer days come wistful glances out the window as your employees daydream about a day spent in the sun. Though the summer slowdown can be a drain on productivity, it's also a great opportunity to show your employees how much you value them and give them some much-needed rest! Check out these 10 simple ideas to engage your employees and avoid a summertime slump.

Case Study: How SmartPath Drove $192,000 of Increased Retirement Savings per Year for HII Employees

In this study, we examined the 401(k) contribution patterns of HII employees who engaged with SmartPath and compared them with the contributions of the general employee population. Are SmartPath participants more active in their 401(k)? Do SmartPath participants increase at a higher rate than non-participants? What would an increase in savings mean for the individuals involved and the company overall? Read on to learn more.

5 Actionable Steps to Combat Wealth Inequality

Month after month, year after year we read shocking statistics in the headlines about the growing wealth gap in America. What is to be done? There is no silver bullet to a more equitable workplace, but that doesn't mean the work we do doesn’t matter. Read on for 5 key principles that will help create a strong foundation, rooted in equity, for any organization.

Retirement Plan Advisors

Bridging the Divide: Retirement Savings for Every Generation

Reaching participants with the information and guidance they need is increasingly complex, especially in today's multi-generational workforce. In this article, we’ll give you key information about each generation, how they learn, and where to reach them so you can get them the help they need and encourage them to increase their retirement savings.

The Generational Divide: Why Benefits Customization Is Inevitable

Benefits customization is an emerging trend that promotes inclusivity and provides support for a generationally diverse workforce. This infographic highlights key pain points and essential benefit options for each generation.

SmartPath Testimonials

We think our financial education products are great, but don't just take our word for it! This flyer will show you SmartPath through the lens that really matters - the perspectives of our customers and users.

Retirement Plan Advisors

Building A Successful Participant Education Strategy

Plan sponsors are increasingly leaning on 401(k) providers to offer participant education. So what can you do to help participants save more and succeed financially? This article explains the importance of participant education and shares 5 essential elements of a successful strategy.

The Naked Truth About Financial Wellness

The financial wellness sector is in the midst of an identity crisis. Leveraging insights from our extensive experience, this article challenges conventional viewpoints and uncovers three pivotal truths. This exploration not only questions established norms but also aims to redefine true financial wellness in today's context.

SmartPath Program Specs

This document gives specifics about how the SmartPath program works, specifically how SmartPath develops course content, manages and trains their financial coaches, and ensures user privacy through security protocols.

Retirement Plan Advisors

SmartPath Program Specs for Retirement Plan Advisors

This document gives specifics about how the SmartPath program works, specifically how SmartPath develops course content, manages and trains their financial coaches, and ensures user privacy through security protocols.

Banks & Credit Unions

SmartPath for Banks and Credit Unions

SmartPath allows you to provide best-in-class financial education as part of your overall customer success strategy. In this short piece, read how SmartPath allows you to better support your customers and build relationships for the long haul, by offering personalized financial education.

Fintech Companies

SmartPath for Fintech Companies

SmartPath allows you to provide integrated financial education within your app or platform. In this quick write-up, learn how personalized financial education can add value for users and increase in-app engagement.

SmartPath for Brokers

SmartPath allows you to offer best-in-class financial education as part of a holistic benefits package. In this short piece, learn how adding SmartPath can improve your insurance offering and give you a competitive edge.

3 Financial Predictions to Help You Prepare for 2024

In the wake of the COVID years, fraught with furloughs, layoffs, and the Great Resignation, the job market and workforce have changed considerably. To keep up with the pace of change, HR leaders must stay abreast of emerging workforce trends. Here are 3 key predictions for 2024 that will help you prepare for the many needs of a dynamic workforce in the coming year.

Retirement Plan Advisors

3 Financial Predictions to Make Your Business Better in 2024

In a rapidly changing financial environment, advisors need to pay close attention to emerging trends that could impact their clients’ financial behaviors. Here are 3 predictions that may impact the financial landscape in 2024, so you can be prepared to help your clients save more, build your book of business, and increase your AUM.

Understanding the Wealth Gap: A Brief Exploration of Wealth and Race in the United States

The United States has some of the highest income and wealth inequality among developed countries. This article examines the racial wealth gap from a historical perspective, considers the implications of wealth inequality on the economy, and explains the necessary steps to begin closing the gap.

Retirement Plan Advisors

Participant Education: Do-It-Yourself or Outsource It?

This at-a-glance comparison chart highlights key ways that outsourcing participant education to SmartPath can save time, money, and resources. Download for a quick read, full of insights into how features like lead-generation technology and automated communications can impact efficiency and engagement, plus a look at how SmartPath can help increase your overall AUM.

9 Unconventional Holiday Gifts for Your Employees

The holiday season can be hard work, especially when you're looking for a meaningful employee gift that goes beyond another piece of branded apparel or the latest tech gadget. Download this infographic for 9 creative year-end gift ideas to thank your workforce and demonstrate your appreciation.

Retirement Plan Advisors

Financial Education: Outsource It or Do-It-Yourself?

This detailed comparison chart takes a deep dive into the benefits of outsourced financial education and explores how this model can save time, money, and resources. Download for a more complete picture of how tailored class recommendations, lead-generation technology, and automated communications to participants can impact efficiency and engagement.

SmartPath for Employers

SmartPath allows you to provide financial wellness as a benefit to your employees. In this piece, explore how partnering with SmartPath can positively impact the overall financial health of your workforce and improve employees' longevity within your organization.

Retirement Plan Advisors

SmartPath for Retirement Plan Advisors

SmartPath allows you to offer comprehensive financial education to your participants. In this piece, learn how outsourced financial education can benefit your business and save you time and money.

SmartPath In Brief

In Brief provides a short overview of SmartPath. Learn about our core product offering and how we partner with financial institutions, fintech companies, and employers nationwide.

Financial Wellness: How To Be Discerning In A Crowded Market

How do you evaluate financial wellness solutions for your workforce? This article breaks down 5 popular products and explains their intended purpose, unintended consequences of misuse, and how they fit in an overall wellness strategy.

SmartPath Presenters

What makes SmartPath unique? We have the largest collection of live and on-demand personal finance classes in the field, with over 200 different classes to choose from. Our team of experts teaches complex concepts in a clear, down-to-earth way, that makes financial wellness accessible to everyone. Watch the video to learn more.

Retirement Plan Advisors

Four Secure 2.0 Provisions You Can Leverage That Your Colleagues Won’t

The Secure Act 2.0 is already in motion, with more provisions set to take effect in the years to come. This article highlights four key provisions that retirement plan advisors can leverage to differentiate their practice from the competition.

5 Reasons NOT To Cut Financial Wellness During A Recession

When businesses are looking to save money, financial wellness solutions are often the first to go. This infographic explains five reasons why these benefits should not be cut but rather prioritized in times of uncertainty.