Grow Your Credit Union and Your Impact
The only 401(k) specifically designed to help Credit Unions grow members, deposits, and loans, all while fulfilling your mission of financial well-being for all.
Grow
Grow Your Credit Union
The Credit Union 401(k) can provide your Credit Union with easy, predictable and profitable growth in the form of new members, deposits and loans.
Engage
Engage Your Community
The Credit Union 401(k) is designed to engage your Community with a benefit that is an easy, automated and incentivized solution to Financial Well-being.
Fulfill
Fulfill Your Purpose / Mission
The Credit Union 401(k) stands apart from the competition when it comes to impact. No need for more webinars, video or workshops. We deliver Financial Well-being for all!
Struggling to consistently grow your Credit Union?
1. Outdated Financial Wellness program that nobody uses.
2. Expensive marketing campaigns that are hard to track
3. Not moving the needle on fulfilling your mission of Financial Wellbeing for All
We Can Help in 3 Easy Steps
1
Setup Your Plan
2
Share with Community
3
Grow
The Credit Union 401(k) can help you accomplish your goals
1
Click a Goal Above
2
Learn How We Help
How it Works
Setup Your Plan
Upgrade your Financial Wellness Strategy
It’s time that Credit Unions got serious about Financial Wellness. It’s not about how many blog posts, webinars or videos we can put on our website. It’s about building solutions for members that are Right for them and their journey, Easy and Personal.
No Static Content
No Generic Videos
No Dated Blog Posts
Guided Financial Journey
Setup Your Plan
Employees Need a Guided Journey
Employees are on a financial journey, and they need help navigating each step of the way, not just retirement. We provide a modern Financial Wellness Journey that is easy, automated and incentivized at each step of the way, drastically improving outcomes compared to traditional static methods.
Easy Behavior Change
Automated Every Month
Incentivized Outcomes
Smart Product Recommendations
Make it Right
Everyones Journey is Different... Product Recommendations Based on Needs
There is no such thing as a one size fits all plan when it comes to finances. Everyone is different. Everyone is in a different phase of life with different needs. We need to stop recommending the same product to everyone and start making the right recommendation based on the needs of the member.
Needs Based
Smart Enrollment
Product Journey
Automatic Enrollment
Don't Make Me Think... Don't Make Me Work
In order to move the needle on financial wellness we need to design products that are practical and that automatically drive the behavior change that we are looking for. Don’t expect people to make a major change in their life because they heard or saw some new information. You need to actually enroll them into a program connected to payroll in order to maximize outcomes.
Payroll Deduction
Auto Enroll
Auto Escalate
Smart Videos
Make it Personal
Mini Modules: Point-in-Time Guidance
We integrate short-form SmartVideos into specific transactions to provide participants with personalized guidance when they’re ready to make a change.
Personalized Engagement
Measurable Outcomes
Point-in-Time Guidance
Easy to Share with Your Community
Share with Community
SEG Marketing in a Box
We provide you with everything you need to market to your business community a valuable product that they desperately need. It automatically solves for Financial Wellbeing for All inside the company and helps grow your Credit Union in the process.
Turnkey Marketing
White Labeled Content
Hosted on Your Website
Enhance Business Services Offering
Share with Community
Offer a 401(k) To Your Business Community
Now you can offer more value to your SEGs with a product offering that they desperately need. An integrated 401(k) plan that includes financial wellness built in and personalized for each of their employees. A true solution for “Financial Well-being for All”.
Financial Wellness that Works
401(k) Plan
Personalized Employee Coaching
Map Your Opportunity
Share with Community
Visualize Who in Your Community to Help
With changes in the Secure Act 2.0, retirement plans are quickly becoming mandatory for the majority of employers. By analyzing public data we can visualize which businesses in your community will need a plan.
Visualize the Opportunity
Search for Plans
Automate Your Outreach
Advisor Referral Program
Share with Community
Share with Retirement Advisors
With changes in the Secure Act 2.0, retirement plans are quickly becoming mandatory for the majority of employers. By analyzing public data we can visualize which businesses in your community will need a plan.
Built in Sales Network
Strong Source of Referrals
Vested Interest to Sell
Your Credit Union Growth Engine
Grow
A Simple Way to Grow Your Credit Union
Now you can offer more value to your SEGs with a product offering that they desperately need. An integrated 401(k) plan that includes financial wellness built in and personalized for each of their employees. This acts as your full time “Growth Engine” as it drives a steady stream of new members, deposits and loans in your door.
Grow Members
Grow Deposits
Grow Loans
Cross-Sell Member and Business Products
Grow
By offering the Credit Union 401(k) to businesses in the community, you are able to easily and cost effectively cross sell other products such as:
- Checking Accounts
- Savings Accounts
- Credit Cards
- Payday Alternative Loans
- Car Loans
- Mortgages
- Etc.
- Business Checking Accounts
- Business Savings Accounts
- Credit Cards
- Business Loans
- Commercial Loans
- Payment Solutions
- Etc.
- Rollovers
- Traditional IRA’s
- Roth IRA’s
- Life Insurance
- Annuities
- Etc.
Cross- Sell Individual and Business Products
Lower Cost to Acquire
Growth Wealth Management
Grow Non-Interest Income
Grow
By establishing a Pooled Employer Plan (PEP) we are able to charge a 3(38) fee for the management of the plan assets.
Section 3(38) of ERISA applies to an investment fiduciary with discretionary controls of the plan’s assets. This means that a 3(38) can select, monitor and replace investments for the plan. While a 3(21) investment fiduciary has to wait for approval for such decisions, a 3(38) can go ahead and make those decisions on behalf of the client. This is why a 3(38) fiduciary must be a registered investment adviser (RIA) under federal or state law, a bank, or an insurance company.
By establishing a Pooled Employer Plan (PEP) we are able to charge a 3(16) fee for the management of the plan administration.
Section 3(16) of ERISA establishes that the fiduciary has a responsibility to ensure the plan is created and managed according to ERISA requirements. If there is no named administrator, the plan sponsor takes on this role automatically. The 3(16) administrator typically handles reporting and disclosure requirements, summary plan descriptions, participant disclosures, and the plan’s Form 5500 filings.
By partnernig with specific Record Keepers to develop the PEP there will be opportunities to leverage their distribution and wholesaling capabilities to distribute plans to their existing client base.
By offering employers a 401(K) your Wealth Management team will be first in line for all rollover and insurance business. This creates a long term and recurring pipeline of business for your Wealth department.
Increase Revenue
Long Term and Recurring
Create Rollovers to Wealth Management
Grow Your Credit Union
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Quick and Easy to Setup
No Upfront Costs
Personalized for your Credit Union
Members
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Deposits
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Loans
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Engage Your Employees
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College Prep
Study Skills
Test Prep
Members
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Deposits
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Loans
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Maximize Your Community Impact
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College Prep
Study Skills
Test Prep
Members
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Deposits
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Loans
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Financial Wellness that Actually Works
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College Prep
Study Skills
Test Prep
Members
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Deposits
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Loans
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Recruit Top Talent
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College Prep
Study Skills
Test Prep
Members
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Deposits
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Loans
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Retain Your Employees
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College Prep
Study Skills
Test Prep
Members
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Deposits
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Loans
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Our Services
Experts In Every Subject
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Individual Subjects
College Prep
Study Skills
Test Prep
History
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Mathematics
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Science
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Learn From The Comfort of Home!
Online Tutoring
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Let’s Learn Together!
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