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The
ACUMEN
Retirement Plans Education Program
for
Employers and Employees
Learn the Principles
of Retirement Investing
Welcome to ACUMEN
ACUMEN is a full
service business consulting and software development firm, specializing in insurance
products and systems. We have built a reputation on understanding client needs and
providing the right-solutions-and-direction to benefit each client’s business and
profitability.
The reasons for our successful results
and our clients’ satisfaction is ACUMEN’s:
- Knowledgeable and experienced people
- Strong industry and application knowledge
- Ability to earn support /"buy-in" of internal
employees, to achieve long-term client goals
- Record of results, on time and in budget
ACUMEN’s skill sets are:
- Analytical
- Managerial
- Financial
- Technical
- Specific to the Insurance Industry
Some of ACUMEN’s credentials
are:
- Saved $1.1 million annually by reducing order backlog from
35 days to 1 day
- Saved $1 million annually by one operation within an
insurance company
- Reduced implementation time for custom products from 4
months to 1 month
- Designed/implemented Financial, Human Resource and
Executive Information Systems
- Designed and developed an integrated Health Insurance
System
- Designed profitable products for major carriers
For
information or an appointment
call Doug Phillips or Tom Wilson at
(207) 883-6632 or (978) 462-4249 |
Learn the principles of
investing for retirement
Why would you want this type of
education for your employees?
Companies offering 401(k) plans,
Hospitals offering 403 (b) plans, and
Government or non-profit organizations where employees
want to take advantage of a tax deferred 457 plan, should educate their people on...
- why to invest in a plan
- when to start investing
- where to invest their money, and
- how much to invest
Employees need...
education without any affiliations to any particular
investments, and
objective, personalized guidance
The ACUMEN
Retirement Education Program enables you ,as an
employer, to:
attract and retain employees
to satisfy IRS requirements by encouraging participation
help achieve and maintain employee morale
earn recognition as a responsible employer
remain competitive in today’s tight labor market
show employees how to maximize retirement benefits and
income
1
RETIREMENT PLANNING
for employees in
401(k), 403(b) & 457 Deferred Compensation Plans including...
- Why plan for retirement
- Act Now / Save More / Invest Better
- Am I saving enough and investing correctly
- How much will I need to retire
- When will I have enough to retire
- IRAs, Social Security, Pension Plans, Personal Savings
- The value of Knowledge and he price of Procrastination
- Taxes and Inflation
- Life-style choices at Retirement
2
INVESTMENT EDUCATION
for the employees including...
Stocks, Bonds, Cash Equivalents
Mutual Funds
What is risk / Why does it matter
Investment Strategies at different career stages
Power of Compound Interest
Protecting your investment: The balance of risk and reward
Recognizing the reality of bull and bear markets
Diversification
3 PRESENTATION OF YOUR PLAN to your employees
Explain the applicable concept of a 401(k), 403(b) or a
457 plan
- Investment Choices offered in your plan
- Eligibility
- Contribution Limits / Applicable Matching Contributions
- Retirement Options
- Applicable loans and Vesting Criteria
4 CUSTOMIZED, PERSONALIZED ANALYSIS
One-on-One Planning Sessions
Investment Profile preparation
Retirement Planning Elements, defining financial goals and
objectives
- Dollar Cost Averaging
- Asset Allocation
- Rebalancing
5 Other
ACUMEN PRODUCTS OFFERED
Design 401(k),403(b) and 457 programs
Long Term Care and Critical Illness
Health Insurance System consisting of quoting/ new
business and renewal underwriting/community, pool and experience rating/ case issue/ risk
assessment and technical reports/ import and reformat of external (claims, enrollment,
check) data/ customized Certificates of Benefits/ and security in an Integrated Database
| a· cu· men
\¶ - ¢ kyu-m¶
n, ¢ ak-y¶ -m¶
n\ n [L acumin-, acumen, lit., point, fr. acuere][1531]
:1: the quality of being able to grasp and comprehend what is obscure :2: keenness and
depth of perception especially in business matters, the power to see clearly and quickly
through that which is difficult or involved |
ACUMEN,
established 1989
US Headquarters
ACUMEN
62 Federal Street
Newburyport, MA 01950
Tel (978) 462-4249
Fax (978) 465-3544
US Sales & Marketing Affiliate
@Info
5933 East Sandra
Scottsdale, AZ 85254
Tel (602) 569-8157
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