Most small businesses want to help employees prepare for retirement, but traditional plans can feel expensive, complicated, and difficult to manage. Progressive Planner gives your team access to an educational retirement strategy process without requiring the business to run a traditional retirement plan.
Employees are worried about taxes, market risk, and whether their current savings will actually create enough retirement income. Many small businesses want to help, but do not want the administrative burden of managing a formal employer-sponsored plan.
You can introduce employees to a retirement income education process that helps them think beyond simply saving money and hoping the market cooperates.
The page is structured around a voluntary benefit conversation. The business introduces the opportunity, and interested employees work privately with Progressive Planner.
Employees who request a conversation can discuss their own retirement picture directly with us. The employer does not need to collect or review personal financial details.
We handle the education, follow-up, and strategy discussions, making the process easier for the business owner and more useful for employees.
This is not positioned as a company-sponsored 401(k) replacement. It is a voluntary employee financial wellness benefit designed to give employees access to retirement income education and private strategy conversations.
You let employees know they have access to a retirement income strategy overview through Progressive Planner.
Employees review the overview, learn how the strategy works, and decide whether they want a private conversation.
Progressive Planner handles questions, scheduling, education, and follow-up with employees who request more information.
The education focuses on helping employees understand the difference between account balances and spendable retirement income.
Employees can learn how future taxes may affect retirement income and why tax-efficient planning matters.
The strategy overview explains why market timing risk can matter, especially near retirement.
Employees can learn how one retirement dollar may be structured to help support more than one long-term objective.
This can be especially useful for small businesses with W-2 employees who may not have access to strong retirement income education or a dedicated advisor relationship.
Small businesses with employees, owners who want to provide a meaningful benefit, and teams that need better retirement income education.
This is not a company-sponsored 401(k), SEP, SIMPLE IRA, legal advice, tax advice, investment advice, or a guaranteed retirement outcome.
Employees value benefits that help them protect their future. This gives the business owner a simple way to offer access to that conversation.
Here are the key questions business owners usually ask before introducing this to employees.
No. This page positions the offer as a voluntary employee financial wellness benefit and education process, not as a formal employer-sponsored qualified retirement plan.
The page is written for a no-direct-employer-contribution model. The business introduces the benefit, and interested employees can request a private conversation with Progressive Planner.
No. Employees who request a strategy conversation work directly with Progressive Planner. Their personal financial information remains private.
Small businesses that want to add a meaningful financial wellness benefit without taking on heavy administration.
No. This should not be presented as a replacement for a qualified retirement plan. It is an educational benefit and private strategy conversation for interested employees.
No. Any retirement strategy depends on personal details, suitability, product structure, funding, charges, tax rules, and long-term performance.
The information on this page is educational and intended to help small businesses introduce a voluntary financial wellness conversation. It is not individualized legal, tax, investment, fiduciary, or financial advice.
This page does not describe a company-sponsored 401(k), SEP, SIMPLE IRA, pension, or ERISA retirement plan. Formal employer plans require separate plan documents, compliance, and professional guidance.
Employees choose whether they want to review the information or request a private conversation. Participation should not be presented as mandatory.
Any insurance or retirement income strategy depends on the employee's personal circumstances, health, age, funding ability, tax situation, and long-term goals.
Business owners and employees should consult appropriate legal, tax, and financial professionals before making decisions about retirement accounts, insurance products, or employee benefit programs.
Fill out the short form and we’ll discuss how this could be introduced to your employees in a simple, professional way. You can also call Progressive Planner directly at 614-908-2009.
