wwwbeneflLlqcom

Mortgage and kea| Lstate Serv|ces 1he New Lmp|oyee 8enef|t

@o remaln compeLlLlve Loday's buslnesses are redeflnlng Lhelr relaLlonshlps wlLh employees Many employers
are geLLlng bogged down ln Lhe myrlad of deLalls lL Lakes Lo research lmplemenL and communlcaLe beneflLs
Lo Lhelr employees @hey are also deallng wlLh Lhe rlslng cosL of noL only healLhcare buL mosL all beneflLs
belng offered Lo employees Many employees are belng asked Lo absorb a porLlon of Lhe cosL of Lhese
ongolng lncreases Also employers are noL only asklng buL expecLlng employees Lo become acLlve
parLlclpanLs ln Lhelr beneflLs selecLlon and uLlllzaLlon All Lhe whlle employee sLress over Lhelr [obs Lhe
economy and Lhelr personal flnanclal slLuaLlon conLlnues Lo mounL cosLlng everyone lnvolved
WlLh Lhe currenL sLaLe of Lhe economy whaL's becomlng wldely recognlzed by employers ls LhaL Lhelr
employee's flnanclal sLress ls havlng a huge lmpacL on Lhelr producLlvlLy whlle aL work @hls sLress ls causlng
employees Lo mlss work all LogeLher and ls conLrlbuLlng negaLlvely Lo Lhe company's healLh care cosLs
8ecenLly MeLLlfe's 9
Lh
Annual SLudy of Lmployee 8eneflL @rends (2011) spenL nlne pages of Lhelr slxLyelghL
page reporL speaklng Lo Lhe correlaLlon beLween an employee's poor flnanclal slLuaLlon (Lhelr flnanclal
lllness") physlcal lllness producLlvlLy levels and employee absences from work ln facL 78 of employers say
employees are less producLlve whlle aL work when Lhey are worrled abouL personal flnanclal problems
1

AddlLlonally 38 of employers say LhaL flnanclal sLress conLrlbuLes Lo employee absences aL Lhelr company
2

@he recenL MeLLlfe sLudy also reporLed LhaL flnanclal lllness ls llnked Lo physlcal lllness @here ls an
assoclaLlon beLween healLh rlsk and Lhe klnd of sLress experlenced wlLh flnanclal sLruggles @he SLudy shows
LhaL employees who say Lhey are noL ln conLrol of Lhelr flnances or who llve paycheck Lo paycheck are more
llkely Lo reporL worse healLh Lhan Lhose noL slmllarly sLressed Lmployers recognlze Lhls dynamlc Cver Lwo
Lhlrds (69) say LhaL flnanclal sLress conLrlbuLes Lo healLh cosLs aL Lhelr company 38 say flnanclal lllness"
conLrlbuLes Lo employee absences and an amazlng 78 agree LhaL worry abouL personal flnanclal problems
whlle aL work can dlsLracL employees Lo Lhe polnL LhaL Lhey are less producLlve"
Clearly more and more employers are waklng up Lo Lhe reallLles of whaL Lhelr employees are deallng wlLh on a
dally basls @helr employee's flnanclal worrles don'L sLop aL Lhe fronL door of Lhe offlce Lhey are mosL
deflnlLely carrled Lhrough @he sLress and worry ls always wlLh Lhem and LhaL clearly carrles over Lo Lhe [ob
Lhey're performlng aL work up Lo 30 of employees admlL Lo wasLlng 21 hours per monLh whlle on Lhe [ob
deallng wlLh personal money maLLers
3
@o add Lo Lhe sLress Lhey're already feellng by day by nlghL 92 of
Amerlcan's are loslng sleep due Lo flnanclal worrles accordlng Lo a poll by Comsych ( a leadlng LA flrm)
Puman resource managers and buslness owners allke are noL only seelng Lhese publlshed flndlngs buL are
cerLalnly feellng Lhe effecLs ln Lhelr own organlzaLlons and are beglnnlng Lo do someLhlng abouL lL @hey're

1
MeLLlfe 9
Lh
Annual SLudy of Lmployee 8eneflL @rends
2
MeLLlfe 9
Lh
Annual SLudy of Lmployee 8eneflL @rends
3
naLlonal lnsLlLuLe of ersonal llnance

wwwbeneflLlqcom
Lurnlng Lo lndusLry professlonals Lo asslsL Lhelr employees @hey're uLlllzlng flnanclal wellness and educaLlonal
programs Lo help Lrlm Lhese sLaggerlng numbers llnanclal educaLlon and guldance can promoLe flnanclal
wellness ln facL 32 of all employees are lnLeresLed ln flnanclal advlce and guldance Whlle 81 of
employees who have Laken Llme off from work or spenL more Llme Lhlnklng abouL personal flnanclal lssues are
lnLeresLed ln flnanclal advlce and guldance
4
Accordlng Lo Lhe recenL MeLLlfe survey Pelplng employees
reduce and manage Lhelr flnanclal sLress has a poslLlve lmpacL LhaL ls recognlzed by boLh workers and
employers lL ls an lmporLanL and effecLlve way Lo help achleve Lhe goals of wellness programs reduced
healLh cosLs and lmproved producLlvlLy"
lL mlghL be asLoundlng Lo know LhaL more Lhan one ln four adulLs admlL Lo noL paylng all bllls on Llme and one
ln Lhree clalms Lo have no savlngs Whlle 41 of uS adulLs or more Lhan 92 mllllon people llvlng ln Amerlca
gave Lhemselves a C u or l on Lhelr knowledge of personal flnance accordlng Lo Lhe polllng company Parrls
lnLeracLlve AddlLlonally ln LhaL same sLudy 80 of adulLs agree Lhey would beneflL from advlce and answers
Lo everyday flnanclal quesLlons from a professlonal
3
When an employer can brlng Lhls requesLed professlonal
onslLe rlghL Lo Lhe company's conference room Lo asslsL Lhe employees everyone from Lhe CLC down ln Lhe
organlzaLlon beneflLs
ln Lhe laLesL MeLLlfe sLudy of parLlclpaLlng companles of Lhose companles polled who currenLly have a
flnanclal wellness program ln place Lhey say LhaL educaLlon and wellness programs are worklng 76 of
employers LhaL offer a wellness program reporL LhaL Lhey are effecLlve aL lmprovlng producLlvlLy
6
Llkewlse
72 of Lhose same employers say LhaL Lhelr wellness program ls effecLlve aL reduclng medlcal cosLs
7

Lmployers have an opporLunlLy before Lhem Lo help Lhelr employees Lo provlde resources rlghL aL Lhelr
workplace so Lhey can sLarL Lo geL a handle on Lhe lssues Lhey're faclng 8y offerlng quallLy resources such as
a morLgage and real esLaLe flnanclal educaLlon program lL shows Lhe employee LhaL Lhelr company cares
abouL Lhem and ls lnLeresLed ln Lhelr quallLy of llfe A sound volunLary flnanclal wellness beneflL offerlng can
acLually bolsLer employee loyalLy Lo Lhe company 60 of employees reporL LhaL Lhelr employee beneflL
package ls an lmporLanL reason why Lhey remaln wlLh Lhelr employer
8

As 8arbara SLark ulrecLor of LducaLlon and CommunlLy uevelopmenL for Amerlca uebL Counsellng lnc sLaLes
AfLer parLlclpaLlng ln a flnanclal wellness program employees can galn peace of mlndand wlLhouL lncurrlng
any hard cosLs Lo esLabllsh a quallLy flnanclal wellness program employers see real moneLary galns LhaL are
derlved from helghLened producLlvlLy less absenLeelsm reduced Lurnover lower healLhcare cosLs fewer
workers' compensaLlon clalms and lmproved [ob performance"

4
MeLLlfe 9
Lh
Annual SLudy of Lmployee 8eneflL @rends
3
Parrls lnLeracLlve 3
rd
Annual LlLeracy Survey
6
MeLLlfe 9
Lh
Annual SLudy of Lmployee 8eneflL @rends
7
MeLLlfe 9
Lh
Annual SLudy of Lmployee 8eneflL @rends
8
MeLLlfe 9
Lh
Annual SLudy of Lmployee 8eneflL @rends

wwwbeneflLlqcom
@he Llme ls now and Lhere's never been a beLLer reason for morLgage and real esLaLe professlonals Lo don a
dlfferenL cap and become educaLors as well as a preferred resource Lo all Lhe employers ln Lhelr communlLy
who are currenLly looklng for flnanclal wellness and educaLlon programs LducaLlng a cllenL ls cerLalnly
someLhlng Lhey're all very famlllar wlLh MorLgage and real esLaLe professlonals provlde Lhls servlce on a dally
basls wlLh each and every cllenL Lhey work wlLh Powever wlLh [usL a sllghL shlfL ln one's Lhlnklng and
ulLlmaLely one's buslness plan morLgage and real esLaLe professlonals can open a whole new unLapped
markeL for Lhelr servlces by offerlng an educaLlonal componenL Lo workplaces raLher Lhan [usL Lhe lndlvlduals
Lhey're used Lo servlng ln facL 31 of employees are currenLly recelvlng Lhe ma[orlLy of Lhelr flnanclal
lnformaLlon from Lhelr workplace
9

keep ln mlnd no workplace ls Loo large or Loo small for a morLgage and real esLaLe educaLlon program And
as Lhe sLarLllng sLaLlcs show nelLher does [ob LlLle maLLer 8egardless wheLher lL's a Lop manager down Lo a
skllled manual worker money worrles are aL Lhe forefronL of everyone's mlnd Accordlng Lo Lhe Money
Slckness Syndrome 8eporL
10
one mlghL be surprlsed Lo flnd LhaL
O 37 of Lop managers are flnanclally sLressed
O 64 of mlddle managers are flnanclally sLressed
O 38 of skllled manual workers are flnanclally sLressed
O and LhaL money sLress has doubled slnce 2006
@hls noLeworLhy lnformaLlon goes Lo show LhaL flnanclal worry ls a wlde spread problem across Amerlca and
LhaL one's [ob LlLle does noL dlsplace one from Lhe worry sLress and lllness LhaL comes wlLh flnanclal worry
and Lhe need for sound flnanclal advlce
Lmployers are repeaLedly belng Lold Lhe value of lnvesLlng ln workplace flnanclal wellness and educaLlon
programs Accordlng Lhe recenL MeLLlfe sLudy Lhey're recommendlng LhaL companles
1 Cauge Lhe need
2 Conslder workers ages
3 @ap lnLo ouLslde resources
4 Cffer essenLlal Lools
3 locus on how employees galn and
6 8elnforce behavloral change
Accordlng Lo ltem l 1op into outside resources Lhey suggesL worklng wlLh provlders Lo develop and
promoLe onslLe semlnars for flnanclal educaLlon and plannlng and accordlng Lo ltem 4 Offer essentio/ too/s

9
MeLLlfe 8
Lh
Annual SLudy of Lmployee 8eneflL @rends
10
Money Slckness Syndrome 8eporL 9 from AxA !uly 2010

wwwbeneflLlqcom
Lhey suggesL connecL employees Lo onllne flnanclal Lools and calculaLors lf morLgage and real esLaLe
professlonals don'L see Lhls amazlng opporLunlLy before Lhem Lhey are mosL cerLalnly golng Lo mlss Lhe boaL
8y worklng wlLh employers and Lhelr employees dlrecLly a morLgage and/or real esLaLe professlonal can sLave
off Lhe lndeclslon of havlng Lhelr paycheck resL of someone else's declslon and oplnlon le Lhe referral
Whlle noL everyone ln an organlzaLlon may be ln flnanclal [eopardy Lhe need for flnanclal educaLlon wlLhln
companles ls sLlll resoluLe Cne of Lhe largesL lnvesLmenLs many employees make ls purchaslng a home
Powever accordlng Lo Zlllow ulrecLor Lrln LanLz Lach year many buyers commlL Lo Lhe largesL loan Lhey'll
ever Lake ouL ln Lhelr llfeLlme wlLhouL undersLandlng essenLlal lnformaLlon abouL home loans" Pome buyers
are lllprepared Lo Lake ouL a home loan answerlng baslc quesLlons abouL loan lnformaLlon wrong nearly half
of Lhe Llme (46)
11
A percenLage of Lhe houslng markeL crash was based on people Laklng ouL home loans
Lhey dldn'L fully undersLand rovldlng employees wlLh a professlonal experL and onslLe educaLlon abouL
home purchaslng could brlng LhaL 46 down Lo 0 Lhus perhaps allevlaLlng an employee's flnanclal lssues
wlLh Lhelr home conLracL down Lhe road When employees are maklng educaLed declslons based on facL and
knowledge lL could help Lhem forgo flnanclal lssues ln Lhe fuLure
ln Lhe comlng monLhs and years Lhe demand for company sponsored flnanclal wellness and educaLlon
programs wlll conLlnue Lo grow Lven when Lhe economy evenLually Lakes a Lurn for Lhe beLLer employees
wlll sLlll need flnanclal asslsLance Lo make good solld declslons 8ecause of Lhls growlng Lrend for Lhe flrsL
Llme morLgage and real esLaLe provlders can be Lhe drlver of Lhelr own buslness and noL have Lo worry abouL
referrals or referrlng parLners
ln sLarLlng a flnanclal wellness program morLgage and real esLaLe professlonals can choose Lhe Lypes of
companles Lhey wanL Lo work wlLh @hey can choose Lhe companles vla many dlfferenL means however Lwo
opLlons may be by personal assoclaLlon le Lhelr famlly has a hlsLory wlLh law enforcemenL or flreflghLlng Cr
Lhey can choose based on poLenLlal loan slze amounL le surgeons/docLors/nurslng or archlLecLs/englneers
or oLher hlgher paylng lndusLrles Many connecLlons Lo Lhese Lypes of lndusLrles can be found by slmply
looklng aL one's own cllenL daLa base
8y sLepplng ouL of Lhe malnsLream way of dolng buslness as lL's always been done an amazlng and fulfllllng
opporLunlLy has been presenLed Lo Lhose professlonals who can sLep up and say es l om oo loJostty
ptofessloool ooJ l wotk Jltectly wltb employees to ptovlJe eJocotloo ooJ soooJ ptofessloool oJvlce so tbey
coo cboose o bettet llfe fot tbemselves ooJ tbelt fomlly ln worklng Lhls buslness model Lhose LhaL make Lhe
change wlll reap Lhe greaLesL rewards ln Lhe long run as Lhey'll be bulldlng a book of buslness [usL llke an
lnsurance provlder or flnanclal planner LvenLually someone can Lake over LhaL book of buslness and
conLlnue Lo earn money on lL @he savvy buslness professlonal sees opporLunlLy ln boLh Lhe shorL and long
Lerm MorLgage and real esLaLe professlonals who make Lhe declslon Lo work wlLh companles vla a flnanclal
wellness and educaLlon program can cerLalnly call Lhemselvesa savvy buslness professlonal

11
Zlllow MarkeLplace survey

wwwbeneflLlqcom
8eneflLlC offers Lhe only compleLe paLenLed Lurnkey sysLem ln Amerlca called @he Pome8eneflLlC rogram
whlch allows morLgage or real esLaLe professlonals Lo offer a professlonal flnanclal wellness and educaLlon
program Lo any slze company assoclaLlon group or organlzaLlon ln Lhelr communlLy
ScoLL vlnson ls Lhe presldenL of 8eneflLlC LLC and Lhe founder of @he Pome8eneflLlC rogram 8eneflLlC LLC
ls based ln 8ellevue WA Pe can be reached by emall aL scoLL[beneflLlqcom or by Lelephone aL
18882437433