Emergent Financial Group 

PRINCIPLES

OUR MISSION

Emergent Financial Group specializes in helping Small Businesses get better benefits for their employees. We begin with Insurances. Improve inefficiencies in your Retirement Plan, which eliminates costs. We work with your Employees. Meeting their Financial Planning and Private Wealth Management goals. 

Emergent Financial Group is a Registered Investment Advisory and Licensed Insurance Agency.

Our Process for Better Benefit Consulting: 

• Short and long-term strategic planning.
• Decomposition of Benefit Plan prices to identify the variables increasing cost. Measuring the costs with an optimal benefit frontier and reducing costs that are adversely affecting the benefit plan and increasing price. 
• Advisory services on employee contribution approaches, analyzing the affects of income tax, and financial modeling for employers and employees.
• Plan documents and employee communications review.
• Implementation of a benefit communications protocol and refining employee engagement strategies.

Our Process for Reducing Insurance Costs: 

• Examine claims data and generate a comprehensive underwriting analysis.
• Review the insurer's underwriting formula and identify areas or factors that might increase costs in markets for similar insurance products.
• Comparing competitive proposals from insurers offering similar products and substituting features that improve benefit levels, network adequacy, rate calculations, administrative fees, trends, pooling costs, capitation expenses, and retention factors.
• Identify the best solutions for our clients, and create value by negotiating the lowest rates for insurance.