The markets for qualified retirement benefits, employee benefits and commercial insurances are large and extremely competitive. The largest plans are voraciously marketed while the mid and small-size markets are underserved. Yet success is elusive in those smaller markets even for representatives who have opportunities in their own book. eBEN™ is changing this dynamic. By working with eBEN™, it will be possible for ePLANNING representatives to acquire benefits accounts and realize success without having to become experts.

What is eBEN™?
eBEN™ is a strategic alliance between ePLANNING and PWA Insurance Services. The goal is to help representatives increase their income by acquiring retirement and benefit plans and by delivering other business services to their clients.

Today’s business world is very sophisticated and complex. This business environment has resulted in the need for specialists in the areas of employee benefits, deferred compensation and retirement plans. Your business clients are constantly being marketed to by firms who are far more aggressive than they ever were about furnishing full financial services, including personal investment advice. By working with eBEN™, you can neutralize these aggressive marketing efforts by bringing in the needed specialists to effectively compete in the benefits market.

eBEN™ is designed to help you protect your valuable relationships, ensuring client retention, while also creating additional income for you. The eBEN™ specialists are there to provide you with products and services you currently do not offer to your business clients.

By using eBEN™ services, there is a binding non-compete agreement between you and PWA Insurance Services so you can rest assured that we are with you, not your competition. Thus, this strategic alliance will enhance your ability to better manage all aspects of your business, increase your market exposure and expand your ability to market to individual employees of business clients.


www.eperforma401k.com

ePerforma401k is a fully bundled, low cost 401(k) profit-sharing program, combining plan administration, record keeping services and employee education. It has been specifically designed to satisfy the needs of small and medium sized businesses. Employers and employees receive streamlined, full-service record keeping and administration services along with the value of a trusted financial advisor to assist with plan installation, enrollment and on-going support.

Features of ePerforma401k:
Open Architecture/Multiple Fund Families
No-Load/Load-Waived Mutual Fund Trading
Online 15-Minute Plan Establishment
Online "Open Enrollment" for Employees
Online Plan Disclosures:
Summary Plan Description (SPD)
Summary Annual Report (SAR)
IRS-Approved Plan Document


www.pwadmin.com

Comprehensive commercial insurance services are available to ePLANNING representatives for your business clients. In addition, PWA has personal line insurance products for high net worth clients. The complete property and casualty insurance products and services we offer are noted below.

Business Insurance
Business Liability, Workers’ Compensation
Bonds, Errors and Omission, Product Liability
Flood, Business Practices, Employee Liability
Truck and Auto Insurance

Personal Insurance
Auto
Homeowners
Umbrella Coverage


www.pwadmin.com

Businesses are facing rising health care costs, a shrinking labor pool and reduced profit margins. While many financial advisors work with small business owners, they do not have the expertise in solving their clients’ benefits needs. As an employee benefits advisory firm, PWA and its team members have been assisting financial advisors and clients with programs that provide comprehensive solutions for more than 20 years. ePLANNING representatives can make available to their clients the following services through eBEN™:

Employee Benefit Programs - Fully, Partially and Self-Funded Plans,
Health, Dental, Vision, Life, Long/Short Term Disability, Long Term Care,
Voluntary Benefits and Work site Marketing,
EAP and Wellness Programs,
Cafeteria Plans, and
COBRA and HIPAA Administration.

PWA provides a web-based Client Agency Management System that provides ePLANNING financial advisors complete access to their business clients’ information (employee benefit plans, benefit cost, compensation, employees and their dependents, etc.). PWA delivers a complete end-to-end employee benefits management, communications and transaction solutions to help employers, employees, human resource managers and financial advisors increase efficiency, improve service and refocus their efforts on more productive tasks.

PWA is responsible for the servicing of the web site and will work with the ePLANNING financial advisor to improve their role as a full service advisor to their business clients.