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Employer Wellness

Employee Financial Wellness Elevates
Your Retirement Plan. Take It To The Next Level.

 

our mission is simple: reduce financial stress and help people retire.


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HOW IS APTUS DIFFERENT?

1. WE DON’T SELL PRODUCTS AND DON’T MANAGE ASSETS FOR A PERCENTAGE FEE
2. WE FOCUS ON EDUCATION, WHICH WE BELIEVE IS THE KEY TO FINANCIAL WELLNESS
3. WE HAVE “CRACKED THE CODE” ON GETTING PEOPLE TO SAVE MORE FOR RETIREMENT
4. WE LOVE SIMPLE, EFFECTIVE MESSAGES AND HATE COMPLEX INDUSTRY JARGON
5. WE BELIEVE RETIREMENT PLAN EDUCATION NEEDS TO FOCUS MORE ON SAVING THAN INVESTING
6. WE HAVE EXTENSIVE RETIREMENT PLAN EXPERIENCE, BUT REMAIN HUMBLE AND CURIOUS

 
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people

 
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Our mission

Aptus Financial is a principled financial services company, focused solely on what is best for our clients and free of any conflicts of interest. We provide transparent, objective, and non-conflicted advice. Period. We don't sell stocks or insurance. We don't take custody of assets and don't charge an asset under management fee. We offer comprehensive advice for a flat fee to individuals and employers with the goal of promoting financial wellness and helping people retire on their own terms.

 

OUR TEAM


Our mission to help people informs our work, just as much as our collective credentials, experience, and licenses.

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sarah catherine gutierrez

FOUNDER/PARTNER/CEO
Lead Retirement Plan Specialist
MPP, Harvard University
Certified Financial Planner
Donaghey Foundation Trustee

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TIM QUILLIN

PARTNER/COO
Financial Planner & Retirement Plan Advisor
Chartered Financial Analyst
MBA, University of Iowa
Former U.S. Army Officer

 
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MATT DUNCAN

SENIOR VICE PRESIDENT
Financial Planner & Retirement Plan Advisor
Chartered Financial Analyst
18+ Years as an Investment Analyst
P.A.R.K. Foundation Board Member

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LINDA BESSETTE

CHIEF COMPLIANCE OFFICER
30+ years of Financial Counseling
Author: Mindful Money

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MARY TELLEZ

Financial Wellness Coach & Registered Investment Advisor

 
 
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PROCESS

 

FINANCIAL WELLNESS IS THE UNIFYING MISSION OF OUR SERVICE OFFERINGS


EMPLOYER RETIREMENT PLAN ADVISOR
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Educate and motivate employees to save
+ Offer individual and group meetings
+ Select and validate investment options
+ Help evaluate recordkeepers and third-party administators (TPAs)

FINANCIAL WELLNESS COORDINATOR
+
Design and implement wellness programs
+ Provide periodic, topical seminars
+ Offer individual counseling
+ Measure impact of programs

EMPLOYEE BENEFITS EDUCATOR
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Provide in-depth education on employer's current benefits
+ Help employees optimize their benefits
+ Help employees understand complex HSA options and issues

EXECUTIVE FINANCIAL PLANNER
+
Offer unbiased, independent planning services to executives
+ Help executives optimize employer benefits
+ Serve as 2nd set of eyes on outside investment accounts

 

HOW DOES APTUS DEFINE FINANCIAL WELLNESS?


FINANCIAL WELLNESS IS A PROCESS OF OPTIMIZING YOUR FINANCIAL LIFE TO BRING YOU HAPPINESS, PROVIDE PEACE OF MIND AND EXPRESS YOUR VALUES

MONEY CAN BE A TOOL OR BARRIER TO ACHIEVING YOUR GOALS
 
 

OUR METRIC OF SUCCESS


We cracked the code on influencing retirement savings rates. The secret: A personal nudge by someone you trust.

51% Increase in the aggregate savings across the retirement plans for which we serve as advisor

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HOW DOES APTUS PROMOTE FINANCIAL WELLNESS?

1. EDUCATE & MOTIVATE EMPLOYEES TO MAKE GOOD FINANCIAL DECISIONS

2. DELIVER A CLEAR, POSITIVE, PERSONAL MESSAGE FREE OF COMPLEX JARGON

3. OFFER FLAT-FEE PRICING TO ELIMINATE CONFLICTS OF INTEREST

4. HELP PEOPLE INVEST SIMPLY AND PRUDENTLY IN LOW-FEE INDEX FUNDS

 
 

WHAT ARE THE COMPONENTS OF OUR FINANCIAL EDUCATION STRATEGY?


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dynamic enrollment meetings

We deliver jargon-free presentations that motivate employees to save into their retirement plan. Our enrollment meetings have been described as "pep rallies for savings."

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one-on-one counseling

We offer 30 minute, individual financial planning meetings for ALL employees.

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FINANCIAL SEMINARS

Our seminars include non-conflicted, expert advice on a range of financial topics, including household budgeting, debt repayment, risk management/insurance, college savings and retirement planning.

 
 

WHY DOES APTUS’S MESSAGE RESONATE?


APTUS FINANCIAL
Conflict free
Positive and motivational
Focused on savings not investments
Empathetic
Jargon free
Personal

OTHER FIRMS
Perceived as biased
Generate fear and anxiety
Focused on investments not savings
Indifferent to individual circumstances
Laden in complex jargon
Generic and canned

 
 
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WHY IS FLAT-FEE PRICING IMPORTANT?

● EMPLOYEES CAN FULLY TRUST APTUS AND THEY APPRECIATE THAT

● APTUS HAS NO CONFLICTS OF INTEREST NOR ULTERIOR MOTIVES

● APTUS DOESN’T SELL ANYTHING

● APTUS DOESN’T MANAGE IRAS, SO WILL NOT PUSH EMPLOYEES TO ROLL PLAN ASSETS INTO HIGH-FEE MANAGED ACCOUNTS

● APTUS’S FLAT FEES DECLINE AS A PERCENT OF PLAN ASSETS OVER TIME

 
 
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Is my company a good fit for aptus?

DO YOU WANT TO MAKE SURE YOUR RETIREMENT PLAN FEES REFLECT THE VALUE YOU RECEIVE?

DO YOU VALUE ADVICE FROM PEOPLE WITH EXPERIENCE, EDUCATION AND CREDENTIALS?

DO YOU BELIEVE EMPLOYEE FINANCIAL CONCERNS IMPACT YOUR BOTTOM LINE?

ARE YOU SOMEWHAT SKEPTICAL OF MOST RETIREMENT PLAN ADVISORS?

DO YOU BELIEVE FLAT, TRANSPARENT ADVISOR FEES WOULD HELP REDUCE CONFLICTS OF INTEREST?

WOULD YOU LIKE TO SEE YOUR EMPLOYEES SAVE ENOUGH TO EVENTUALLY RETIRE?

ARE YOU HUMBLE AND CURIOUS?

ARE YOU INTERESTED IN OFFERING THE MOST MODERN RETIREMENT PLAN AVAILABLE?

ARE YOU WILLING AND ABLE TO MAKE POSITIVE CHANGES TO YOUR RETIREMENT PLAN?

 
 
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let’s chat

 
 
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Call 501-907-1993

2 Van Circle, Suite 4 | Little Rock, AR 72207

 

If you're curious about our retirement plans and wellness programs, please give us a call or use the form below to arrange a free consultation or request a quote.

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