Employers and Associations We understand that you are dealing with the challenge of rising benefit costs, and tighter budgets.  That is why we are here to help you take advantage of the financial experts available to you through TotalChoice Network.  If you choose to offer employee benefit solutions through our Network, as a team we can provide you with access to unique programs that provide real value to each of your employees or members at no additional cost.                        Many employers now recognize the need to offer a more diverse and in depth benefit program which is redefining the employer/employee relationship.  Companies are looking for new inexpensive ways to strengthen their overall compensation package, and increase employee satisfaction and retention.  Recent studies show that when a company offers a more diverse benefit program it  leads to higher retention, more satisfied employees and increased productivity which is key to their success.  TotalChoice Financial Services has created a unique approach to meet this need by partnering with HomeBenefitIQ. We create a personalized financial resource website for each Company or Association that we work with. Employees or members log in to their customized website hosted by HomeBenefitIQ with their own unique username and password.  We work with you the employer to display the resources and financial experts that you feel would benefit your employees the most all in one place!  Some of the most common services employees are looking for include mortgage assistance, debt restructuring, realty services, retirement planning, group insurance advice and personal financial planning.  Watch a short video on HBIQ! Click the graphic above. You will be prompted to enter your name, company, email address, phone number (optional) and a code. Please enter TMF2 for the code.

View a sample HBIQ Site Okay, enough talk. I'm sure you want to see the HBIQ program in action. Below is the link to our sample HBIQ website. This website is exactly what your company or association can have access to if they join the TotalChoice Network. TotalChoice Network HBIQ Sample Site

HomeBenefitIQ: A New Way To Think About Benefits

As the costs of healthcare benefits continue to skyrocket and employers contributions are being reduced due to cost, companies are continually challenged to offer benefits that productive employees value.

HomeBenefitIQ offers a solution. Through HBIQ, employees and associations can offer a valuable benefit that provides convenient, competitive access to home financing. At no cost to your company or association, HBIQ enables you to reward and retain your employees/members by providing a benefit that streamlines buying, selling and financing their most valuable assets – real estate.

To remain competitive, today’s businesses are redefining their relationships with employees. Many employers have a much more diverse range of employee relationships which has changed the way compensation and benefits are offered. But it is still true that rewarding and retaining valuable, productive workers is the key to a company’s success. HBIQ presented by TotalChoice Financial Services has been created to fill this need for employers and associations to enhance employees' benefit packages.

Positive Impact for Employers

• Offer an additional valuable benefit to you employees without increasing overhead
• Easy for your company to implement and requires no additional staffing or resources allocation
• Create more value in your company’s benefit package to improve recruitment and retention of your best talent
• By adding HBIQ, your employees will have full access to a more diverse benefit package
• Help meet your employees' needs for added convenience and a greater work/life balance
• HBIQ will help you overcome the challenge of increasing employee dissatisfaction with rising healthcare premiums

Positive Impact for Employees

• High accessible – employees can call, make and appoint or use our convenient 24/7 online access
• 100% voluntary participation
• Your dedicated team of advisors can help employees make smart decisions about choosing the right financial goals and how to reach them
• Significant potential savings when financing, buying and selling real estate
• Secure and confidential access to rates, program information, and convenient online loan application
• Exclusive “Member Privileges” section that offers additional discounts with online retailers
• HBIQ Connection newsletter with information articles that educate employees about real estate financing and other HBIQ benefits

How HomeBenefitIQ Works

HBIQ is a complete turnkey solution. Your Plan Director will set up & personalize a secure website that will include your company’s information. Your employees/members will be provided password protected access to your own site. Providing this valuable benefit to your employees/members requires virtually no effort and no financial commitment from you. Refer any questions your employees/members have back to your Plan Director – the HBIQ team will do the work!

The Plan Director can provide marketing materials to educate your employees/members about HBIQ, eliminating the time and cost of promoting the benefit.

• Monthly e-newsletter
• Launch room posters
• Customized employee/member ID cards
• New hire introduction letter
• Educational lunch-and-Learn seminars
• Shopping discount through “Member Privileges”

Learn more about this opportunity to offer a valuable benefit to your employee/members at no cost to your company/association. Call a Plan Director to schedule a short, on-site presentation. You’ll see a live demo of HBIQ and receive a FREE DVD with everything you need to know about this valuable program.