Services

The iJoin Solution is revolutionizing how Financial Advisors in the retirement plan industry engage participants, building greater efficiency and effectiveness into the retirement planning process and improving individual retirement outcomes.  iJoin offers an engaging personalized experience anytime, anywhere.  Employees are lead through a thoughtful 401k portfolio decision-making process via their own smart phone or any Internet enabled device, on their own or in live group meetings.

iJoin’s patent-pending technology includes a secure mobile portal and personalized guidance process based on behavioral finance findings.  iJoin acts as virtual advisor, engaging employees and prompting action.   iJoin captures participant information and integrates that information with plan and provider data in real-time. The platform then analyses the data and creates a customized 401k portfolio strategy and direct contribution analysis and makes recommendations based on the participant inputs. iJoin can be private-labeled and customized for advisors, providers and plan sponsors.

iJoin helps individual participants with tough but critical 401k decisions  

  • At what age can I retire?

  • How much money will I need to replace my income in retirement?

  • How much should I be saving in my retirement plan now?

  • What are suitable investments for me?

iJoin provides a retirement income gap analysis, investment guidance and unique Retirement Readiness rating for individuals, plans or groups of plans

  • Innovative method increases participation, contributions and rollovers into plans

  • Improves individual retirement outcomes

  • Measurable results and reports generated for plan fiduciaries

  • Increases asset flow into retirement plans and managed accounts

  • Increases plan sponsor and participant satisfaction

  • Saves time and resources wasted on printed materials

  • Offers advisors and providers a visible competitive advantage to increase plan sales

iJoin is being used by:

Financial Advisors
Broker Dealers and RIAs
Defined Contribution Investment Only Firms
Recordkeeping Platforms
Defined Contribution Plan Providers

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participants who have completed the iJoin process enjoy the following benefits:

  • 97% chose to participate in their company 401k or IRA retirement plan compared to the industry average of 78.8%

  • 68% selected a higher contribution percentage than they were currently deferring

  • Workers increased their savings rate resulting in a 10.5% average deferral rate compared to an industry average of 7.5%

  • 82% chose guidance into a suitable investment allocation

  • 76% rated iJoin as “extremely Effective” or “Very Effective” in helping determine how much money will be needed in retirement

  • 87% completed the iJoin process in 20 minutes or less

 

How iJoin’s patent-pending technology works

Participants log into the iJoin website with a live, group, web or recorded session

  • Input or review and confirm personal data available from plan sponsor (employer) or provider

  • Input additional personal info and preferences for retirement planning

  • Determine saving rate needed to replace a chosen percentage of income

  • See projected impact of different decisions

  • Receive guidance in investment selection

  • Confidently confirm savings and investment choices

  • Receive via email a written plan and personal retirement readiness rating

Participant choices are captured real-time in a secure database file which may be linked dynamically to a plan record keeper. Important data such as address changes or beneficiary designation can also be quickly updated via iJoin.

Detailed Fiduciary Reports are instantly generated for plan sponsors, advisors and providers—clearly documenting that participants were offered consistent, sound support.