EMPLOYEE FINANCIAL WELLNESS

A Meaningful Estate-Planning Benefit for Your Employees — At No Direct Cost to Your Company or Your Employees

Help employees take an important step toward protecting their families and organizing their financial lives without adding another employer-paid benefit or employee expense.

Through Moffat Financial’s relationship with West Wealth Group and West Wealth Group’s licensing agreement with Trust & Will, eligible businesses can provide employees access to convenient online estate-planning resources at no direct cost to the employer or employee, subject to eligibility and applicable program terms.

It is a practical way to expand your financial-wellness offering while helping employees address an important area of their financial lives that is often postponed.

Schedule a 15-Minute Conversation · Request Program Information

No obligation and no lengthy presentation. We’ll explain how the program works so you can determine whether it may be appropriate for your organization.

Estate Planning Is Often the Missing Piece of Financial Wellness

Employers already help employees prepare for the future through benefits such as retirement plans, life insurance, healthcare coverage and other financial-wellness resources.

But many employees still have an important area of their financial lives left unfinished: their estate plan.

Estate planning is often something people know they should address but continue putting off. Some assume it is only relevant for wealthy families. Others simply aren’t sure where to begin.

Providing employees access to an established online estate-planning platform gives them a convenient starting point.

Through Moffat Financial’s relationship with West Wealth Group and West Wealth Group’s licensing agreement with Trust & Will, eligible organizations can provide employees access to these estate-planning resources at no direct cost to the employer or employee.

Add a Meaningful Financial-Wellness Benefit Without Adding Another Direct Cost

Estate planning can complement the benefits employees already receive by helping them address decisions involving family, assets, healthcare wishes and financial organization.

Meaningful to Employees

Estate planning involves decisions that may eventually affect an employee and the people they care about most.

Relevant Across Life Stages

Estate planning is not exclusively for high-net-worth households. Employees may have estate-planning considerations because they:

• Have children

• Own a home

• Have retirement accounts

• Have life insurance

• Are married or partnered

• Have healthcare wishes they want documented

• Own other assets

• Want greater clarity around their affairs

Complements Existing Benefits

Employer-sponsored retirement accounts, life insurance and other financial benefits often involve beneficiary and legacy considerations. Estate planning can encourage employees to think about those pieces as part of a broader financial picture.

No Direct Cost to the Employer

Eligible organizations can make this estate-planning benefit available without adding another direct employer-paid program expense.

No Direct Cost to the Employee

Under the applicable program available through West Wealth Group’s licensing arrangement with Trust & Will, eligible employees can access the included estate-planning benefit without paying a direct program cost.

Voluntary for Employees

Employees decide for themselves whether they want to use the available estate-planning resources.

Learn How the Program Works

Help Employees Address Something They May Have Been Putting Off for Years

For many people, estate planning remains on the “I’ll get to it someday” list. Making an established online resource available can make taking the first step less intimidating.

Depending on an employee’s individual circumstances and the services included under the applicable program, estate planning may help them think through matters such as:

• Who should receive certain property or assets

• Who they would want considered as guardian for minor children

• Who they want handling certain financial or personal matters

• Their healthcare wishes and instructions

• How certain assets should be managed or distributed

• How important decisions and documents can be organized for their family

The objective is straightforward: give employees access to a resource that can help them move from good intentions toward an actual estate plan — without requiring a direct program payment from the employee.

Powered by Trust & Will

Trust & Will provides an online platform for creating and managing estate-planning documents.

Individuals can use a guided, self-service process to provide information and create applicable estate-planning documents based on the services available to them and their individual circumstances.

Employees who choose to participate work through the Trust & Will platform rather than having their employer prepare or manage their estate-planning documents.

An Important Distinction

Trust & Will is not a law firm and does not provide legal advice. Its online document services are self-help resources and are not a substitute for individualized advice from a licensed attorney.

Employees with circumstances requiring individualized legal advice should consult a qualified attorney.

Moffat Financial and West Wealth Group do not prepare legal documents or provide legal, tax or estate-planning advice.

Simple for the Employer. Straightforward for Employees.

The benefit is made available through Moffat Financial’s relationship with West Wealth Group and West Wealth Group’s licensing agreement with Trust & Will.

1. We Have a Brief Conversation

We meet with the appropriate business owner, HR professional or benefits decision-maker. We explain the program, answer general questions about how it is made available and determine whether it may fit the organization. There is no obligation to proceed.

2. Your Organization Decides Whether to Make the Benefit Available

If your organization would like to move forward, we provide the information needed to introduce the applicable Trust & Will benefit to employees.

3. Employees Decide Whether They Want to Participate

Participation is voluntary. Eligible employees can choose whether they want to use the available Trust & Will resources.

4. Employees Access the Applicable Trust & Will Benefit

Employees complete the applicable estate-planning process through Trust & Will. The employer does not prepare employee estate-planning documents. Moffat Financial and West Wealth Group do not prepare estate-planning documents or provide individualized legal advice.

Schedule a 15-Minute Conversation

Financial Wellness Goes Beyond Retirement Savings

Employers have spent years helping employees prepare for the future through retirement plans, insurance benefits and financial-wellness programs. Estate planning can be another piece of that conversation.

Someone can contribute to a retirement account, maintain life insurance and build savings for decades while still never documenting some of the basic decisions their family may eventually need.

Making estate-planning resources more accessible can help employees address that gap.

And because the applicable program can be offered without a direct cost to either the employer or employee, it provides organizations with an unusual opportunity to add a meaningful financial-wellness resource without adding another traditional benefit expense.

Sometimes the most useful first step is simply making it easier to get started.

Could This Make Sense for Your Organization?

This may be worth exploring if your organization:

• Wants to broaden its employee financial-wellness resources

• Is looking for meaningful voluntary benefits

• Wants to add an employee resource without another direct employer-paid program cost

• Values benefits that do not require a direct program payment from employees

• Already offers retirement, life insurance or other financial benefits

• Wants employees to have access to estate-planning education and resources

• Prefers benefits employees can choose to use based on their own circumstances

• Is reviewing ways to provide employees and their families with additional financial-planning resources

You do not need to determine whether the program is right for your organization before contacting us. That is what the initial conversation is for.

Estate Planning Is Personal

An online estate-planning service may be useful for many individuals, but no single estate-planning solution is appropriate for everyone.

Circumstances involving complex family situations, blended families, special-needs beneficiaries, business ownership, significant tax considerations, multi-state property, complex trusts or other unusual legal circumstances may warrant individualized advice from a qualified estate-planning attorney or other appropriate professional.

Neither the employer, Moffat Financial nor West Wealth Group determines which estate-planning document or legal strategy is appropriate for an employee.

The no-direct-cost benefit applies to the services included under the applicable licensing arrangement. Any services outside that arrangement, if offered, should be clearly identified separately.

Frequently Asked Questions

Does this cost our company anything?

Under the applicable program available through Moffat Financial’s relationship with West Wealth Group and West Wealth Group’s licensing agreement with Trust & Will, eligible employers can provide the included estate-planning benefit at no direct cost to the employer.

We’ll explain the program structure and applicable eligibility requirements before your organization makes any decision.

Does this cost our employees anything?

The estate-planning benefit included under the applicable program is available to eligible employees at no direct cost to the employee. The exact documents, services and features included are governed by the applicable Trust & Will licensing arrangement.

Any optional services outside the included benefit are not represented as included.

Are employees required to participate?

No. Participation is voluntary. Employees decide individually whether they want to use the available Trust & Will resources.

Does our HR department have to help employees create their documents?

No. Employees complete the applicable process through Trust & Will. The employer does not prepare employee estate-planning documents.

Does Moffat Financial prepare wills or trusts?

No. Moffat Financial is not a law firm and does not prepare legal documents or provide legal, tax or estate-planning advice.

Our role is to help eligible organizations understand the benefit available through our relationship with West Wealth Group and West Wealth Group’s licensing arrangement with Trust & Will.

What estate-planning documents are included?

The documents and services available depend on the applicable Trust & Will program provided through the West Wealth Group licensing arrangement.

Is a trust appropriate for every employee?

No. Estate-planning needs differ from person to person. Some individuals may have relatively straightforward planning needs, while others may have circumstances that warrant individualized advice from a licensed estate-planning attorney.

Is Trust & Will a law firm?

No. Trust & Will is an online estate-planning service and is not a law firm. It does not provide individualized legal advice.

Give Your Employees a Meaningful Benefit Without Adding Another Direct Expense

Through Moffat Financial’s relationship with West Wealth Group and West Wealth Group’s licensing agreement with Trust & Will, eligible organizations can make estate-planning resources available to employees at no direct cost to the employer or employee.

That makes this different from many traditional voluntary benefits. Let’s spend 15 minutes reviewing how the program works.

No lengthy presentation. No obligation. No pressure to move forward.

Just a straightforward conversation so you can decide whether it is worth exploring for your organization and your employees.

Schedule a 15-Minute Conversation · Request Program Information