top of page
Business Handshake

Employee Benefits

If you are just starting to offer benefits or are looking for a review of current offerings from an outside source we begin by having a discussion about your company demographics and culture which leads into what the goal is behind offering different benefits.

​

Your goal may simply be to offer competitive benefits relative to your industry for retention purposes or you may want to take care of your team the best you can regardless of competitors.

​

Once we understand the goals behind offering benefits, we will shop the market and meet to review our synthesized findings and recommendations. 

​

Upon final decisions of what will be offered, we begin the enrollment process. The enrollment process can be done online and paperless or in person with hard copies. Our goal is to make this process simple and concise rather than a burden.

We will enroll with carriers and help complete any paperwork related to new contracts. We will also provide a payroll report of any employee payroll deductions.

​

This is the annual process that begins 3-4 months before your renewal date for coverages. In addition to this process we will assist with plan documents you need to keep/have  - premium only plan (Sect. 125) for payroll deductions, ERISA wrap documents, etc.

Wealth Management

An initial meeting with as much information is ideal so we can understand your current financial state and have a conversation to understand what your goals and concerns may be moving forward. 

​

We will review insurance coverages to see if there may be potential liabilities that can be protected against. 

​

We will discuss how you feel about investment risk and how that relates to your future goals.

​

Investment risk tolerance is not a straightforward topic. A very wealthy person with relatively little income needs may choose to be risk averse (very conservative) even though they can afford to take on additional risk if they so desired.

 

Another person may need to take on additional risk in order to reach their goals. This dichotomy deserves a good conversation to truly understand where you may be on the overall risk aversion spectrum.

© 2020 by PRJ Insurance. Proudly Created by Little Goat.

Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth

​

This site is published for residents of the United States and is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or product that may be referenced herein. Persons mentioned on this website may only offer services and transact business and/or respond to inquiries in states or jurisdictions in which they have been properly registered or are exempt from registration. Not all products and services referenced on this site are available in every state, jurisdiction or from every person listed.

​

California Insurance License # 0G02454.

​

https://www.osaic.com/crs

bc-box-check_xxsm_rev.png
bottom of page