Corporate Financial Wellness Services

1. Integrated Financial Wellness Program
for Employees
A Proposal By
Right Horizons

2. Executive Summary
• Right Horizons is a Taxation and Investment Advisory
Firm providing integrated financial wellness services
to employees of Corporates
• We offer various levels of engagement with corporates
to assist their employees on Taxation and Personal
Financial Management
• The services could include conducting educative
seminars/ presentations, periodic newsletters,
providing a helpdesk for a face to face meeting,
responding to email queries, hosting data on a
personal finance intranet/extranet for self service of
employees and working with the company to provide
tax efficiency
• We work in close collaboration with the company HR
to explain various benefits provided to them
Financial Wellness of employees is critical for their productivity

3. Program Offerings
Presentation
& Seminars
Help Desk
Personal
Finance
Portal
Email
Support &
Chat
 Addressing
Individual
queries
 Guiding
employees on
investments
 Induction
Training
 Quarterly
Seminars -
Taxation at
Beginning & Yr
End ; Personal
Finance for
 Educative – no
product selling
 For employees
who prefer in
self service
 Having
calculators
 Work with
employer to
illustrate
benefits
provided to
employees
 Chats based on
Calendar for
the year
 FAQs
 Mail Queries –
policy related
to be forwarded
to HR
Engaging employees through multiple channels of communication

4. Creating Active Participation
• Specific group initiatives
– Seminars – Seniors/Fresher: theme based
– Forums on need based
• Working couple
• Child/Retirement /Home/ Vehicle etc
• Single Parents
– Health and wealth checkup on weekends (minimum 15 people)
• Make site more interactive
– Polls on generic topic
– E-Newsletter/alerts (on subscriptions; free of cost)
– Different articles updated as per financial calendar
– Different tools/calculators
– Do you Know ? – series and Tips for the day/weeks
– Contest / Cross word puzzle or Quiz – mainly on financial and taxation with prizes
– Opinion on generic questions (on customer mind e.g SBI loans, continue SIPs, etc)
• Survey on requirement Vs offering
• Other media for interactive apart from intranet
– Chat/Webcast
– Blog aimed an knowledge building
– VOIP with other wipro locations
• Creating Awareness
– Posters
– Innovative Mailers
– Intranet ads

5. Benefit Event
Quiz, Help Desk
Seminar on Tax
Sep 2014June 2014 July 2014 Aug2014
On going Help Desk
(Can add in cafeteria/ poster/ banner for theme)
Sample- Road Map For 4 Months
Financial planning
Presentation
And monthly news
letter
Financial portal with
Groups, Do You know, chat, Polls, Cross Word
Conduct Survey
(Services required/
feedback on
services)
Survey
Finding
Chat / Web cast
Tax optimization
Band LEvel
Changes on Intranet after the Survey finding
Tax filing
helpdesk and
Online portal
Budget
Awareness and
Chat
Financial Wellness of employees is critical for their productivity

6. Monthly News Letter Calendar based
We publish a Financial Calendar at the beginning of the year
Case Study – Relationship Over 11 Years
Quarter Chat – Webex, Intranet based
Theme based on Budget, ESOP, Tax saving , Loans etc
Help desk at Each location
Depending on the location strength, helpdesk would be daily
/weekly / monthly : specific date and time to be provided
Query – Thru Mail, Call or Web portal
Internal mail id created that is dot forwarded- to solve all Tax and
Investment queries
Financial Wellness Portal
Educative Portal on Taxation and Personal Finance with Regular
updates on companies policies, calculators etc
News
letters
Chat
Help
Desk
Query
Handling
Personal
Financial
Portal

7. Services
Offered
Employee
Related
Rs 6000
Free
Commeri
als
Silver
Discounted Services To Employees
Gold Platinum
Rs 2500
Free
Free
Free
First Year
Renewal
•Tax / Investment Planning Advice
•Weekly Market Reports
•Subscription to Blog, Yahoo Groups, etc.
•IPO / NFO alerts
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Description
•Dedicated Relationship Person
•Tax Filing
•Monthly / Yearly reports
Paid
NO
NO
Yes
Discounted
Yearly
Yes
Yes
Yes
•Portfolio monitoring; profit booking & switches
•PMS, Art Funds, Structured Products
•Real estate fund & Real Estate options
No
No
No
No
No
No
Yes
Yes
Yes
•Double taxation / US tax filing from India
•ESOP strategies
•Multiple location support
•Special Discounted Fees for employees
•Represent company to provide deals for
employees for other organizations
•Home Loans, Personal Loans, Investment
Avenues, Real Estate, etc
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes

8. Our Differentiators
Is a one stop shop on all financial needs – from
tax planning to investments providing value and a
structured oversight
Having to work with multiple Wealth
Managers and Advisors
One
stop
shop
Wealth Advisory by MNC/Indian Bank Right Horizons Provides
Multiple avenues; Multiple options under each
avenue – providing range and reducing bias. Eg
we provide the range of ICICI Bk, HDFC Bank,
Templeton PMS all under one roof without bias
Wealth Management advice only
suggests their own products and does
not have a complete range of avenues
Own
Product
Planning provides the foundation – advice
completely customised to each individual
Minimal planning at the individual
level, no customization
Planning
Managing Risk given primary importance – help
provide long term growth; multiple vendors help
diversify eg spread across multiple PMS
Advice without financial basis: not
founded on Risk Management
Risk
mgt
Advice based on market outlook; a unique
derisked model
Sell
Advice based on what was easier to
sell
Taken care of tax implication to reduce tax and
help in tax filing
Tax
Advice are not linked to tax
implications

9. Support from Employer
• Sync up with Intranet team to revamp Portal
– To enhance look and feel of site
– Make site live with regular updates
• Monthly newsletter
– Provide any specific newsletter template in case available.
• Finalize set of Presentations
– Presentation Themes to be finalised
• Finalize set of question on survey
– Broadcast Survey to employees
• Finalize Chat/Broadcast Theme and date and time
• Help desk in cafeteria and permission for poster/banner on
notice boards
• Extranet access to RH for faster response, on queries and
updates

10. Corporate Services and offering
• Group Gratuity
• Group Superannuation
• Group Leave Encashment
•Group Personal Accident /
Medical Cover (GPA/GMC)
•Marine/ Motor/ Fire Insurance
•Travel Policy (Corporate and
Individual)
•Financial Lines (D&O, E&O etc.)
•Casualty (Workmen
compensation, etc.)
• Mergers & Acquisitions
• Funding
• Joint Venture
• Business Strategy
• Employee Benefits(Corporate
Insurance)
• Treasury
• Compensation Services
• Value Added Services to
employees
Corporate
Investment
Banking &
Consulting
Group Life
Insurance
Group
Non-Life
Insurance

11. Appendix
• Portal Screenshots
• Arthashastra schedule sheet
• Arthashastra Report

12. Portal Home Page

13. Portal Home Page - 2

14. Calculators

15. Technology wise implementation
• Intranet
– We give the Source files and data to be uploaded or
send to all employees
– These have section like
• Company Advantages
• News letter
• Helpdesk
• Chat
• Query board
• IP address open to Portal managed by us

16. Thank You
Right Horizons Financial Services Pvt. Ltd.
www.righthorizons.com rachna@righthorizons.com- 9845399780