A BENEFIT FOR ALL
Its flexibility allows employers to support the broadest range of employees, from first-time buyers to those already on the path to financial stability.
Our solution takes a 3-tiered approach.
INTRODUCING THE HOME SAVINGS PLAN™
Through our automated platform, combined with personalized equity and cashflow planning, employees can accelerate home savings.
Learn more about our goal-based, behavior-driven, team-oriented platform.
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Establish a Personalized Cashflow Plan
First, our equity architects guide individuals to define income and expenses, creating a customized cashflow plan.
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Accelerate Savings
Instead of routing income into a default checking account, funds are first deposited into a separate, FDIC-insured bank account.
Our Equity Architects will then help employees set up goals and budgets designed to help employees achieve healthier financial behaviors.
With their goals and plans set, the platform then automatically routes predefined amounts to spending accounts.
If a user attempts to move more money than their plan allows, they receive a personalized alert: “Proceeding may delay your goal. Are you sure you want to continue?” This moment of reflection disrupts unconscious spending and reinforces better habits.
CONTRIBUTION PLANNING
We collaborate closely with the employer to design a contribution strategy tailored to their goals—whether the focus is on reducing turnover, improving retention, or enhancing financial wellness.
Here’s how it works:
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Set contribution amounts that align with budgets, workforce size, and program objectives.
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Define eligibility criteria, such as program completion or tenure.
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Decide on payment frequency, whether quarterly, annual, milestone-based, or on home purchase.
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Model return on investment by projecting the reduction in turnover costs relative to program expenses.
MEANINGFUL EDUCATION
We work with you to schedule 1 or more cohorts per quarter. Each cohort will include a series of onsite and virtual workshops to understand the following:
1. Current market conditions to avoid costly common mistakes of homebuying
2. How to leverage the Home Savings Plan™ to accelerate home buying
3.Financing options to improve buying position
4.Strategies to ensure the value of your home continues to grow and provide financial security
5.How real estate can support your long-term financial goals
6. Combine strategies and tools to make smart decisions and drive financial wellbeing
OPTIONAL FUNDING
As an optional enhancement, NestSTEPS™ (through our partners) can help employers uncover operational savings to help fund the benefit:
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Paychex – PEO, ASO, Payroll
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Other partners - Business and profitability strategies
(EX. Merchant Processing, shipping/logistics, healthcare)