For most small businesses, the honest answer is nobody. PlusAtWork fills that gap: your employees get access to a licensed planning specialist for a private, one-on-one consultation — booked by the employee, on the employee's time, and funded entirely by the employees who choose to participate. Your company pays nothing.
We give you a short link (and a break-room flyer, if you want one). Sharing it is the entire ask — one email, one flyer, done.
Each employee schedules their own private, one-on-one planning consultation — a time that suits them, by phone, video, or in person. You never coordinate a thing.
No lists to pull, no scheduling to manage, no HR involvement. We never ask you for employee names, emails, or personal information — and there's no enrollment, no forms, and no follow-up paperwork for you.
Financial stress is not a private matter that remains at home. It is an operational cost — one that surfaces in productivity, attendance, retention, and benefit spend, whether or not it is ever attributed to its source.
Employees managing financial stress carry it into the workplace: diminished focus, reduced output, and an increased risk of error, accumulating quietly across the organization.
Financial stress is a significant driver of unplanned absence and voluntary turnover. Replacing and training an experienced employee carries a cost few organizations would accept if it appeared on a single invoice.
Employees who are not financially prepared to retire remain on payroll longer, at senior compensation and benefit levels, while advancement for those behind them stalls. Without a plan, neither the employee nor the organization has a clear path forward.
Under financial pressure, employees make short-term decisions with long-term consequences: high-cost borrowing, loans against retirement savings, coverage reduced or dropped. Each one deepens a burden the organization ultimately shares.
At each renewal, the conversation is largely unchanged: major medical, ancillary coverage, group life. These are essential components of a sound benefits program — they are not the whole of it. Employers are increasingly asking what more their benefits investment can accomplish, and the standard portfolio was never designed to answer that question.
PlusAtWork addresses the planning needs that sit outside it: family protection beyond group limits, retirement income strategy, and tax-advantaged planning — delivered individually to employees who elect to participate, without altering your existing program, and without cost to your organization.
A standard benefits program provides essential protection, but it is not a comprehensive plan. In a private consultation, each employee reviews the planning areas below — in plain language, applied to their own circumstances and their own family. Nothing is presented to a group.
Group coverage is real protection — with a limit set by the plan, not by what a family actually needs. Each employee sees their own gap, privately.
A plain-language walkthrough of IUL: index-linked growth potential, tax-advantaged treatment, and living benefits — what it is and whether it fits their situation.
Annuity and guaranteed-income concepts explained simply: how people build a retirement paycheck they can't outlive, and how principal protection works.
Tax-advantaged planning strategies, protecting a family's income, and the questions worth asking before a crisis asks them for you.
Owners can book the same one-on-one — including the question most owners never get asked: what happens to the business if something happens to you? Key person, buy-sell, and succession — addressed as planning matters, in a private consultation.
The terms are stated plainly, in writing:
Compensation decisions are constrained by budget. Leadership is not. An employer who makes this resource available communicates something a pay adjustment cannot: a genuine investment in the financial well-being of the people who build the business.
Employees remember the employer who made that possible. It is a distinction no renewal negotiation can purchase — and in this case, it requires no budget at all. The program is funded entirely by the employees who participate.
Ryan Badgett has spent 26 years in the insurance and employee-benefits world — the first 15 working directly with business owners, HR departments, and benefits portfolios as a worksite specialist, and the years since in advanced life insurance and planning strategies most employees never hear about: key person coverage, buy-sell agreements, estate and succession planning, and complex cases.
PlusAtWork brings that experience directly to employees of small businesses: a private consultation, scheduled by the employee, conducted one-on-one — built to respect the employer's time and the employee's privacy.
The introductory call is a brief conversation about how the program would work for your organization, what the consultations cover, and whether it is an appropriate fit. There is no presentation and no obligation.
Call or text to schedule:
Online booking opens here shortly. Consultations are held by phone or video, or in person where practical.