Edge 401k Funds

Financial ServicesFlorida, United States0-1 Employees

It started with a drive… In 2013, Insurance Office of America (IOA), one of the nation’s largest independent commercial risk and benefit managers, turned to financial industry veterans Tom Ruggie, ChFC, CFP, and Michael Case Smith to develop a program to upgrade retirement programs for IOA clients. Tom, a veteran consultant to over 700 plans, knew that traditional 401(k) education had not been the answer in the past, and that many employees were dealing with various financial issues outside their 401(k). Michael, having testified in front of the SEC, Department of Labor, and US Senate about Wall Street conflicts-of- interest, knew that traditional 401(k) funds were not the answer, either. One day, during a 401 (k) enrollment meeting, Tom began asking LOTS of questions and he and Michael listened carefully to the answers. What they realized was that traditional 401 (k) plans – with their nicely-produced brochures and videos – didn’t go far enough to ‘move the dial’ in engaging participants and helping them in meaningful ways to reach their retirement goals. They figured that by adding a financial wellness component which would proactively provide advice in other financial areas such as budgeting, debt management, funding education and overall savings, they could help 401(k) plans work better for plan participants and sponsors. We believe our innovative process is unlike any other you have seen before.

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