Financial Strategies For Business & Life

Complete guide to financial health for home services

Your benefits should support the business you’re building

In home services, growth depends on good people. As your business expands, attracting skilled employees is only part of the challenge. Keeping them, supporting them, and giving them a reason to build their future with you matters too. In this short video, Kort McCulley shares how McCulley Financial has worked with home services businesses for more than a decade to build retirement plans around their people, their growth, and where the business is going.

Start with the business you want to build

A retirement plan can be easy to treat as another box to check. But when it is designed with purpose, it can become part of a much larger strategy for your business.

That starts with your vision. Where is the business going? Who do you need around you to get there? What would make your best people want to stay?

Once those questions are clear, your retirement plan can be designed around what you are actually trying to accomplish rather than simply following a standard approach.

McCulley Financial has worked with businesses across HVAC, electrical, plumbing, sewer, and other home services industries. Our approach considers the different elements that can help a retirement plan continue serving the business as it grows.

A six-step process for financial health

McCulley Financial uses a six-step process to help organizations create, manage, and continually strengthen a financial program designed around their people and their goals.

Define the vision

Start with what you want to create, who the plan is designed to serve, and how it should support the future of the organization.

Design the right plan

Build the plan around that vision rather than choosing a product first and trying to make it fit later.

Establish an investment strategy

Consider how the investment approach should support the needs of your employees, key executives, and the plan itself.

Measure financial health

Create an ongoing service process and monitor meaningful measures such as participation, contributions, assets, and costs so you can see whether progress is being made.

Create a better employee experience

Help employees understand and engage with the benefit you have created, so they feel supported and better prepared for their financial future.

Maintain a consistent cadence

Keep the strategy moving through regular conversations, monitoring, and adjustments rather than allowing a well-designed plan to become something that simply runs in the background.

Build a benefit that grows with your business

You have worked hard to create a business with room to grow. The benefits you offer can help create an environment where good people want to be part of that growth.

Watch the video to see how McCulley Financial approaches retirement planning for home services businesses, then talk with us about what the right plan could look like for yours.