Introducing My CoPilot:
A Compounding Employee Benefit
Employees face daily financial challenges. From student loans, retirement planning, to budgeting, it can be incredibly overwhelming. Many employers offer their employees a wide variety of benefits that are rarely utilized to their full capacity, if at all. My CoPilot is the solution: an affordable financial benefit designed to improve employee engagement, well-being, and financial health.
Why Should Employers Offer My CoPilot?
AFFORDABLE AT SCALE
Traditional financial planning often runs into the thousands per employee, which is why many employers have never thought to consider it. My CoPilot provides expert financial guidance, and in many cases, the result is not a cost, but a net savings for both the company and its employees.
BOOST EMPLOYEE PRODUCTIVITY
Financially confident employees are less stressed, more focused, and more engaged at work.
NO SALES, JUST ADVICE
We’re fee-only advisors, which means no commissions, no product sales — just advice that’s 100% in your best interest.
REDUCE TURNOVER & INCREASE RETENTION
Employees with financial security and feel like they are being invested in are happier and more likely to stay within the same company.
BUILT ON TRUST
As fiduciaries, we put your employees’ best interests first — always.
“Provide your employees with the tools to maximize their benefits and ensure their financial future. Let’s collaborate to create a smarter, financially healthier workforce together.”
| Benefit | Description | Impact | |
|---|---|---|---|
| Employer Benefits | Reduced Employee Turnover | Lower hiring and training costs by retaining skilled staff. | Avg turnover cost is 1x - 2x annual salary |
| Increased Employee Productivity | Financial stability boosts focus and reduces absenteeism. | 7.5% - 17.5% productivity gain | |
| Average Productivity Loss: Employees lose an estimated 3–7 hours per week. | |||
| Payroll Tax Savings | HDHP/HSA strategy reduces employer FICA tax liability. | $329 per employee, per year* | |
| 7.65% FICA savings | |||
| Healthcare Premium Reduction | Optimize benefits to lower premium costs for both employer and employee. | ~"$1,572 per employee, per year** | |
| HDHP vs Standard Plans premium comparison | |||
| Differentiators | Attract Top Talent | Unique benefit that sets company apart in recruiting | Faster hiring, better candidates |
| Competing firms lack this benefit | |||
| Shows You Care About Well-being | Builds trust, morale, and loyalty. | Improved retention, culture and employee experience | |
| Increased employee engagement | |||
| Mutually Beneficial | Employee Financial Wellness | Addresses real employee pain points beyond traditional benefits. | Stronger loyalty, less turnover |
| 60% live paycheck-to-paycheck | |||
| Puts Money Back in Pockets | Saves employees and employers money via HDHP/HSA optimization. | Net positive ROI | |
| ~"$3,262 per employee, per year** | |||
| * Assumes employee maximizes HSA contributions each year, which, when on an HSA they should be doing. | |||
| ** Based on 40 year old employee using two of the lowest cost healthcare options offered in California. Kaiser Bronze (HMO) w/$6650 Deductible vs Antehm Blue Cross (HMO). | |||
| Employee Benefits | Reduced Financial Stress | One-on-one planning helps employees feel in control of debt, savings, and major life expenses. | Improved focus, less absenteeism |
| 57% employees cite money as top stressor | |||
| Maximized use of Employer Benefits | Guidance ensures employees get the most value from HSAs, retirement plans, and insurance options. | Increased perceived compensation | |
| Many employees leave benefits unused | |||
| Increased Take-Home Savings | Optimizing HDHP and HSA strategies lowers out-of-pocket costs and grows tax-free savings. | Thousands saved annually, hundreds of thousands saved over a lifetime | |
| HSA contributions are triple-tax advantage and ideal for 1.Young 2.Healthy 3.High Earners | |||
| Clear Path to Financial Goals | Personalized plans guide employees toward buying a home, saving for college, or retiring comfortably. | Higher employee satisfaction | |
| Goal-based planning | |||
Need help?
HOW MY COPILOT WORKS
We provide a combination of group learning and one-on-one financial planning to ensure employees get the support they need to thrive.
SMALL GROUP LEARNING CLASSES
We address fundamentals of financial management along with generalized advice about maintaining good financial health.
- Cash Flow & Budgeting
- Employee Benefits
- Behavioral Finance & Financial Psychology
- Investing & Tax Planning
ONE-ON-ONE GUIDANCE
We will sit down with your team for a more personalized approach to financial success and create a strategic plan.
- Debt Management & Student Loans
- Retirement & Wealth Building
- Home Buying & Real Estate
- College Funding for Kids
- Insurance Planning
- Estate Planning
This isn’t just another employee benefit—it’s a financial roadmap for life.
Let’s Get Started
Providing financial planning as a benefit isn’t just the right thing to do—it’s a strategic advantage for your company.
