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Retirement Management Services

Retirement and Financial Services

Aon Hewitt provides a variety of services that enhance a company's retirement plan offering and help employees tackle financial issues.

These services include:

Personal Finance Center

Unique employee resource provides financial education and guidance covering many types of personal finance issues.

Employees' personal financial issues are costing organizations valuable productivity and engagement. The goal of the Aon Hewitt Personal Finance Center (PFC) site is to provide fast answers to pressing financial questions so employees can get back to work matters as quickly as possible. The PFC provides sought-after education and guidance covering a variety of personal finance issues. The site is designed to meet the diverse preferences and learning styles of varying employee populations. It provides a robust employee education program online, over-the-phone and on-site.

The financial education programs on the site are centered on key financial topics, such as asset management, preparing for retirement, debt management, and college planning.

The PFC contains multi-media online education. Articles discuss financial problems and solutions in easy-to-read terms. Charts and tutorials provide flash presentations that take employees through financial topics in a methodical step-by-step manner. Calculators allow employees to explore what-if scenarios to personalize the education to meet their specific situations. Also on the site are a variety of two-minute "Small Good Choices" videos that provide additional solutions to a variety of financial issues.

Some employees need to talk through their issues with a trusted and knowledgeable financial expert. The PFC is staffed with personal finance specialists who are trained to answer a wide variety of questions. All calls to the PFC are confidential and are free to employees of companies that subscribe to Aon Hewitt's Personal Finance Center.

In-person seminar workshops can also be arranged through the PFC. These workshops, led by trained financial professionals, are designed to educate employees on a specific topic. Most include a worksheet and handouts to help attendees work toward individual solutions.

Currently providing education and guidance to more than three million employees, the Aon Hewitt Personal Finance Center services a wide variety of employers and can be customized to tailor the topics and programs to employees.

Personal Finance Specialists are affiliated with Hewitt Financial Services LLC, a broker dealer, and may be dually registered with Aon Hewitt Financial Advisors LLC, a registered investment advisor.

Self-Directed Brokerage Accounts

Your employees are a diverse group of individuals with unique financial and retirement needs. Self-Directed Brokerage Accounts empower them to take greater control over their investment decisions.

While the set of funds in your 401(k) plan is designed to accommodate most of their retirement goals, employees have varying personal and family circumstances that require access to a broader range of investments. However, it can be a challenge to open up the investment options to accommodate a small number of employees without creating greater confusion for the majority. A Self-Directed Brokerage Account (SDBA) from Aon Hewitt Financial Services provides a simple solution.

Through a Self-Directed Brokerage Account, employees gain access to nearly 400 mutual fund families with more than 6,100 mutual funds available with no loads, waived loads or no transaction fees. Employers may also choose to include access to more than 10,000 publicly traded stocks, exchange-traded funds, bonds, CDs and more.

Through our award-winning website, employees can:

  • Learn about thousands of investments using analysis from top research sources such as Morningstar, S&P, Dow Jones, Thomson Reuters and
  • Check account balances and holdings, place trades and monitor the markets, 24 hours a day, seven days a week.
  • Create customized model portfolios to track the movement of stocks and mutual funds.

Employees have access via phone to a team of licensed investment specialists available from 9 a.m. to 7 p.m., Eastern Time, Monday through Friday.

You can be assured that an Aon Hewitt Financial Services Self-Directed Brokerage Account has been designed to offer the flexibility necessary to meet your participants' needs and your ERISA fiduciary responsibilities (e.g., by preventing access to your company stock or investments on margin). In addition, periodic reports are available to employees to monitor the investments held.

Self-Directed Brokerage Accounts are offered through Hewitt Financial Services LLC, member of FINRA/SIPC.

Advisory Services

Click here to view more information on Advisory Services.

Financial Planning

Aon Hewitt provides financial education and independent planning services for all types of employees in all different financial circumstances. This very personal service enables employees to take greater control of their financial lives by matching their personal objectives and current assets to a detailed strategy tailored to their specific circumstances. When delivered by trained and experienced financial specialists in a conflict-free environment where commissions are not earned and products are not sold, employees have the greatest chance of creating a plan that uniquely fits their financial requirements. This service takes into account each employee's current financial state and cash flow management, their tolerance for risk, their active employment timeline, their individual objectives, and the value of other company-provided benefits.

Aon Hewitt Financial Advisors includes a team of trained, credentialed financial planners, ready to help individual employees develop a financial plan that best meets their personal circumstances. These plans take into account:

  • Current financial situation – assets and liabilities, cash flow
  • Future financial state – based on realistic assumptions about future investment potential
  • Risk tolerance – appetite for investment risk and time horizon
  • Goals – how much money is needed to account for lifestyle choices related to education, retirement, and estate planning

Based on an understanding of an employee’s specific circumstances and review of their
employer-provided benefits, Aon Hewitt Financial Planners will work out an appropriate plan to accumulate assets over time, invested in a way that meets the employee’s objectives. The plan may also take into account important, planned lifestyle changes including marriage, children, home buying, education, health care needs, and retirement requirements.

Aon Hewitt's financial planners are all registered investment advisors with Chartered Retirement Plan Counselor or CERTIFIED FINANCIAL PLANNERTM designations. Each holds FINRA series 6 or 7, 63, and 65 licenses and brings at least five years of experience to the Aon Hewitt team. All are trained to answer questions specific to qualified plans, IRAs and other financial vehicles; investment topics such as mutual funds and asset allocation; and general financial planning topics such as debt management and retirement or college planning. Since they are independent and non-commissioned, they naturally seek out all available investment options, providing employees with an unbiased view of which investment options are optimal for them and why.

Financial Planning Services are offered by Aon Hewitt Financial Advisors, LLC, an SEC-registered investment advisor and wholly owned subsidiary of Hewitt Associates LLC. SEC registration does not imply a certain level of skill or training.

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