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Consulting Services

Conduct employee meetings and assist in designing employee communication materials.

A free initial consultation in which we assess your current benefit package, gather pertinent data and establish the goals you would like to achieve with your Employee Benefits Program.

Comprehensive analysis of the financial history of your account, which will highlight any surplus profit by the insurer
Review of your plan design to ensure level of competitiveness within the marketplace
Analysis of your current underwriting method versus alternative funding arrangements, such as: Administrative Services Only (ASO), health spending benefits or Flex Benefits
Review of Current Administrative fees and reserves included within your contract
Full Disclosure of the fee/compensation structure payable to your current advisor

Evaluation of your disability contract
Review of your current prescription drug contract provisions, utilization and exposure to high claims
Assessment of insurance components to ensure protection against high-unexpected claims

We present the results of our Financial Analysis Audit™, review each of the issues in detail and design a strategy to deal with each one. We outline the timeline required to implement our plan as well as any administration tools and resources that will ensure a seamless transition.

Implementation of the strategies and tools agreed upon during the previous meetings
Apply the most current and efficient administrative systems
Discussion and review of BGM Financial's ongoing Service Commitment

We make a commitment to you to service your employee benefit package and review your progress on an annual basis to ensure you continue to maximize the return of your investment.
Our ongoing services include

A free initial consultation in which we assess your current program, gather pertinent data and establish the goals you would like to achieve with your Group Retirement Program.

The current Group Retirement contract
Full disclosure of the fee/compensation structure payable to your current advisor
The current benefit formula, relative to the needs of the various employee classifications and company budget considerations
Investment management Fees (IMF's)
Current fund selections
Retirement liability funding
Investment management performance strategy
Recurring expenses
Plan support and service on all levels
Conduct a complete market survey

We also conduct a review of the CAP Guidelines with your Plan Administrator and ensure your program complies.

We present the results of our Pension Performance Audit™, review each of the issues in detail and design a strategy to deal with each one. We outline the timeline required to implement our plan as well as any administration tools and resources that will ensure a seamless transition.

Implementation of the strategies and tools agreed upon during the previous meetings
Apply the most current and efficient administrative systems
Discussion and review of BGM Financial's Ongoing Service Commitment.

Schedule a comprehensive, complimentary financial review today.