Financial Planning

Alight Financial Advisors provides financial education and independent planning services for all types of employees in all different financial circumstances. This very personal service enables employees to take greater control of their financial lives by matching their personal financial objectives and current assets to a detailed strategy tailored to their specific circumstances. When delivered by trained and experienced financial specialists in a conflict-free environment where commissions are not earned and products are not sold, employees have the greatest chance of creating a plan that uniquely fits their financial requirements. This service takes into account each employee’s current financial state and cash flow management, their tolerance for risk, their active employment timeline, their individual objectives, and the value of other company-provided benefits.

Financial plans will take into account:

  • Current financial situation— assets and liabilities, cash flow
  • Future financial state— based on realistic assumptions about future investment potential
  • Risk tolerance— appetite for investment risk and time horizon
  • Goals—how much money is needed to account for lifestyle choices related to education, retirement, and estate planning

Based on an understanding of an employee’s specific circumstances and review of their employer-provided benefits, Alight Solutions Financial Planners will work out an appropriate plan to accumulate assets over time, invested in a way that meets the employee’s objectives. The plan may also take into account important, planned lifestyle changes including marriage, children, home buying, education, health care needs, and retirement requirements.

Online Planning Tools

We provide employees with access to robust online planning software that will help assess if they are on track with their savings for retirement, college funding, and income replacement. The online planning session will provide employees a review of their assets, income, expenses, and liabilities for an overview of their total financial picture. An analysis of the employees’ current investments is made and assists the employee in analyzing alternative asset allocation strategies. Forecasting college savings requirements is simplified with an integrated database of the current tuition amounts of hundreds of American colleges and universities estimated public and private tuition amounts. Once the employee has completed the financial questionnaire, they can request the assistance of a financial planner who will oversee the creation of a written financial plan which will provide a detailed strategy that takes into account each employees own very specific circumstances and financial objectives.

Benefits Planning

Employers offer many types of benefits programs to their employees. Employees often need help in deciding how best to utilize these retirement and insurance programs. Our financial planners can provide counsel and guidance to employees in assessing their needs and goals, such as:

  • Choose a mix of benefits that work for you and your family
  • Assess your savings strategy
  • Balance retirement, college, home improvement, and other savings goals
  • Understand how insurance can protect your family from a sudden loss of income

Qualified and Experienced Financial Planners

Financial planning services are provided by a team of trained, credentialed financial planners, ready to help individual employees develop a financial plan that best meets their personal circumstances. Our financial planners hold a Chartered Retirement Plan Counselor or CERTIFIED FINANCIAL PLANNER™ designation. Each holds FINRA series 6 or 7, 63, and 65 licenses and brings at least five years of experience to the Alight Financial Advisors team. All are trained to answer questions specific to qualified plans, IRAs and other financial vehicles; investment topics such as mutual funds and asset allocation; and general financial planning topics such as debt management and retirement or college planning.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

Financial Planning Services are offered by Alight Financial Advisors, LLC is an SEC-registered investment advisor and wholly owned subsidiary of Alight Solutions, LLC. SEC registration does not imply a certain level of skill or training.