Financial Resources in the Workplace

Help your employees achieve financial wellness

The benefits of Goldman Sachs Ayco's workplace financial planning program; help create a more productive, financially well and engaged workforce.

35%

of Americans are too worried about their finances today to think about planning for the future.¹

Partner with us

Enhance Employee Productivity and Focus

We provide expertise and resources to help create a workforce that is less stressed about finances and more focused on driving business.

Optimize Benefits and Compensation

Acting as an extension of your HR and benefits team, we help to increase awareness of your company’s compensation and benefits.

Navigate Risk

We apply a holistic approach to corporate risk management by assisting in adherence to company procedure, regulatory policy and tax laws.

We provide financial planning and education for every career stage to achieve financial wellness

Select the employee populations of interest:

All employees Emerging leaders Senior executives High net worth families

Explore programs

Strategy

Financial complexity

Career/wealth level

Advisor role

Delivery

Clients per advisor/coach

FINANCIAL WELLNESS

Establishing financial wellness

Low

Broad employee populations

Not traditionally dedicated

Digital, Phone, Seminars

Broad coverage

FINANCIAL MANAGEMENT

Building financial stability

Increasing

Emerging leaders

Dedicated

Digital, Phone, Live support

~125

EXECUTIVE WEALTH

Managing wealth

High

Executives

Personal CFO

In-person, Digital, Phone

~60

FAMILY OFFICE

Preserving wealth

Highest

High net worth families

Personal CFO

In-person, Phone

~10

FINANCIAL WELLNESS

Strategy

Establishing financial wellness

Financial complexity

Low

Career/wealth level

Broad employee populations

Advisor role

Not traditionally dedicated

Delivery

Digital, Phone, Seminars

Clients per advisor/coach

Broad coverage

FINANCIAL MANAGEMENT

Strategy

Building financial stability

Financial complexity

Increasing

Career/wealth level

Emerging leaders

Advisor role

Dedicated

Delivery

Digital, Phone, Live support

Clients per advisor/coach

~125

EXECUTIVE WEALTH

Strategy

Managing wealth

Financial complexity

High

Career/wealth level

Executives

Advisor role

Personal CFO

Delivery

In-person, Digital, Phone

Clients per advisor/coach

~60

FAMILY OFFICE

Strategy

Preserving wealth

Financial complexity

Highest

Career/wealth level

High net worth families

Advisor role

Personal CFO

Delivery

In-person, Phone

Clients per advisor/coach

~10

Financial education and guidance for every career stage—from people entering the workforce through retirement. Our approach focuses on your employees achieving financial wellness through sustained engagement and an improved understanding and utilization of your company's compensation and benefits.

Benefit to the company:

Reduced stress, absenteeism and healthcare costs can lead to increased employee productivity
Feedback and insights on employee utilization and behavior
Integrated workforce planning

Designed specifically for emerging leaders experiencing a greater level of financial complexity as their careers advance. Goldman Sachs Ayco provides strategies to help build wealth, protect assets and make smart decisions about an expanded array of compensation and benefits programs.

Benefit to the company:

Help retain emerging leaders
Improved understanding and utilization of increasingly complex compensation and benefits
Extension of the benefits team, providing insights on the employee population

Designed to address the financial complexity of your senior executives. Goldman Sachs Ayco provides proactive, comprehensive planning and guided implementation delivered through a one-on-one relationship.

Benefit to the company:

Help give valuable time back to executives that can be used to focus on the business
Cultivate a deeper appreciation for executive compensation and benefits
Assist with navigating corporate risk on tax, regulatory and reputational issues

Sophisticated solutions to streamline the intricate financial lives of high net worth families. Goldman Sachs Ayco helps save time and offers peace of mind through service provider coordination, advanced risk management and legacy preservation strategies.

Families at the highest complexity levels may have:

Multiple investment providers
Multiple entities (foundations, partnerships, funded trusts)
Alternative investments
Multiple homes
Domestic employees
Private travel fleet

Multidisciplinary approach

Financial planning discussions vary depending on the financial counseling program offered.

Benefits and Compensation

Education on all benefit plans to drive optimization and utilization

Cash Management

From budgeting and debt management to forecasting liquidity needs and long-term wealth accumulation

Retirement Planning

Integration of benefit plans, from 401(k) contribution considerations to sophisticated modeling of spending and wealth accumulation

Tax Planning and Strategies

Review of opportunities to navigate tax obligations, from deductions to withholding sufficiency and preparation of income tax returns²

Investment Planning

Comprehensive assessment of risk and return with the aim of strategic portfolio construction

Insurance

From identification of insurance needs to actively mitigating exposure to risk across tax, regulatory and company policies

Estate Planning

From education and guidance of the creation of basic estate documents to tax-efficient wealth-transfer strategies

Why Goldman Sachs Ayco?

Our experience

Our exposure to hundreds of public and private compensation and benefits plans across America allows us to provide financial counseling in an ever-changing landscape.

Our advisors and coaches

Our people provide objective and confidential financial planning, and they benefit from ongoing education throughout their careers.

Our comprehensiveness

We apply multiple financial disciplines to every decision and coordinate across relationships, acting as an extension of existing service providers.

Our technical expertise

Our internal subject groups provide support in the areas of investments, benefits and compensation, insurance, tax policy, estate planning, training and development.

One-on-one coaching sets Goldman Sachs Ayco apart

Ayco_Coach_Story_HR

460+

Corporate programs³

50+

Of the Fortune 100 advised³

Years providing financial planning

Additional services to integrate in your program

SurvivorSupport^®

We offer specialized financial guidance in times of personal crisis and loss. SurvivorSupport brings an empathetic touch to financial planning at a time when individuals and families are overwhelmed with difficult decisions.

Group Education

In-person and online group education engages employees in all areas of financial planning, including entering the workforce, starting a family, caring for aging parents and retirement readiness.