essex presentation

presents

IQ

Financial Wellness for Today’s Employees

•25+ years financial, banking & mortgage

experience.

•Founded in 1986/an Orange County based

company.

• Proud provider of the Nation’s most widely

accepted corporate mortgage & Real Estate

benefits plan.

The HOMEBenefitIQ Program

Copyright, BenefitIQ, LLC, 2011

Roland WeedonPresident

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Joshua Han

• Corporate Real Estate Benefits Expert

• Experienced Insurance Professional

• Recent Graduate from CSUF; Department of

Business Management

• 3+ Years Insurance Industry Experience, and

Financial Services

• Provider of the Nation’s most widely accepted

corporate mortgage & Real Estate benefits plan.

The HomeBenefitIQ Program

Copyright, BenefitIQ, LLC, 2011

Joshua K. HanLoan Officer Intern

IQ

Today most employers offer their employees traditional benefits at a substantial cost burden to the employer. Traditionally these include:

Medical/Dental/Vision

Retirement/401K/Tuition Reimbursement

In today’s competitive environment you must continually seek value-added benefits that cost little or nothing.

Copyright, BenefitIQ, LLC, 2011

5

Over the next decade employers will be looking for a new benefit - Financial Education

~Employee Benefit Trends 2009 Survey

Copyright, BenefitIQ, LLC, 2011

Copyright, BenefitIQ, LLC, 2011

* Increases employee loyalty

* Demonstrates to employees that you care about them and their family

* Increases financial well-being

Financially sound employees are more productive

* Reduces stress and increases productivity

Financing a home (moving or refinancing) is one of the top three most stressful

endeavors

*No cost to the company/organization

* Exclusive, benefit portal accessed through HomeBenefitIQ.com

* Little or no administration required on your part—we do all the work

Copyright, BenefitIQ, LLC, 2011

Our Results driven offering…Problems: 92% of employees are losing sleep due to financial worries!

Worries: Presenteeism…employees are showing up for work, but are more worried about their financial issues than they are about getting their jobs done.

What are others doing about it? 83% of 450 HR Professionals surveyed said they are considering providing employees with educational literature and/or

workshops by (local) specialists.

Fears: Absenteeism… employee absence accounts for the equivalent of 35% of base payroll.

Bottom line: The average worker spends 16 hours a month, or 10 percent of a 40-hour work week, on non-work related issues due to financial concerns.

Copyright, BenefitIQ, LLC, 2011

Financially Stressed Employees Can Stress A Company’s Bottom Line

Copyright, BenefitIQ, LLC, 2011

The NEED for Financial Wellness in the Workplace

*A recent study by the Personal Finance Employee Education Foundation sited that 4 hours of every work week is used by an employee on personal financial issues.

*To an employer with only 150 employees that equates to a loss of approximately $450,000 per year (assuming an annual wage of $30,000 per employee).

The HomeBenefitIQ program is not only beneficial to the employee, but clearly the employer as well.

*No up-front application fees

*Friendly, quality experience

*One-on-one relationship with your Mortgage Advisor Team

*Customized mortgage solutions for your employees

*Rates and fees not available to the general public

*Price clarity — know the cost of the loan prior to committing to the process

*All employees are eligible and it's completely voluntary

*Benefits can be extended to family and friends

*Complete confidentiality

*Dedicated staff

*Educational “Lunch & Learn” seminars available

Copyright, BenefitIQ, LLC, 2011

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Monthly, your service provider can provide your employees, an email newsletter that offers relevant information about Real Estate, personal finance, and updates on Member Privileges/Employee Perks.

We can, upon your request, hold training seminars on-site with topics like: *Home Today; Secure Tomorrow - First-time home buying

*Fiscally Fit - Credit enhancement

*Buying investment properties and vacation homes

*Choosing an “adjustable rate” or “interest only” loan program

Copyright, BenefitIQ, LLC, 2011

*

Lets’ look at the actual site your employees can see and utilize.

Copyright, BenefitIQ, LLC, 2011

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Employees gain access to your benefit program through the HomeBenefitIQ web platform.

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*Once logged-in your employees engage with their pre-screened bundle of service professionals thus saving them time and money.

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Additional“Professional

Partner” categories can

be added to the site. All

designed to save your employee

time and money.

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*

*Especially in today’s economy people are looking for ways to save money. Whether it is for movies, sporting events, museums, Disney tickets or automotive services, everyone likes a discount.

*Here is an easy way to offer a simple solution that will show the company is thinking of their employees:

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*Employees can easily access the assortment of National or local Essex Perks vendors via “Membership Privileges”.

*Local discounts via “Local Are Discounts”

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*Simply click on the “Essex Perks” link:

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*Click Northern or Southern California.

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*Pick your broad, or specific, category.

Example:

Entertainment

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*Pick your choice vendor.

*AMC Theaters

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*Follow prompts to order and enjoy your discounted tickets.

*40% Off

1. Sign the Employer/Organization Acknowledgement

2. We establish a “Launch Date” for the program

3. On Launch Date:

* You email your employees that a new benefit has been added. (We can provide you with standardized email text.)

* We provide you with a letter that explains the program. This letter is inserted into your New Member Packages and given to all employees, and HomeBenefitIQ member cards are issued.

* Provide you with lunchroom/break room/worksite posters.

4. Monthly-We will provide you with an e-newsletter that keeps the employees/members up-to-date on the changing mortgage/Real Estate market, along with updates to the “Member Privilege” section.

Copyright, BenefitIQ, LLC, 2011

*Envision the potential power of networking with your Professional Partners.

HBIQ Rep & Professional

Partner

Financial Advisor with 500 Clients

Real Estate Agent, Financial

Advisor, Insurance Agent. # of

Clients?

The potential is endless as you, and your professional partners, promote the Home Benefits package to their sphere of influence. Picture the ability to market to thousands of employees.

# of potential businesses?

26

Thank You!

ARE YOU READY? 1. TO IMPLEMENT A PLAN2. TO INCREASE PRODUCTIVITY3. TO DECREASE ABSENTEEISM4. TO REDUCE TURNOVER

LET’S GET STARTED!