Financial Strategist

The Richards Group, an IMA Company is seeking a Financial Strategist to join our growing team. This role is a great fit for someone who enjoys translating complex financial data into clear, client-ready insights and wants to play a meaningful role in helping clients make informed decisions around their benefits strategy. In this position, the Financial Strategist will independently support core financial modeling, claims projections, IBNR analysis, and strategic renewal analysis for self-funded and level-funded clients. This person will also consult on stop-loss programs and funding strategies, support financial negotiations with carriers and vendors, and begin representing the Financial Strategy function in client discussions. The ideal candidate will bring strong technical analysis skills, a consultative approach, and a service-oriented mindset. We are looking for someone who is detail-oriented, collaborative, and comfortable communicating financial analysis to both internal partners and clients. Experience with self-funded plans, market trends in funding and pricing, and peer review processes will be especially helpful in this role. This position offers flexibility, including the option to work remotely. Because we value in‑person collaboration for training, client support, and strategic meetings, qualified candidates must live within reasonable travel distance to one of our VT or NH locations. ESSENTIAL JOB RESPONSIBILITIES include but are not limited to:   Supports and demonstrates IMA’s core values   Values and understands the importance of diversity, equity, and inclusion among all IMA associates   Interact s  professionally and timely with  internal and external  clients via email ,  phone  and in-person   Marketing/RFPs   Prepares  and manages  RFP for all  self-funded TPA and stop loss   submissions to market with  Client   Executive direction   Collect s , manage s,  and review s  proposals  on self-funded TPA and stop loss marketing events   Update s  marketing results into spreadsheet ensuring  accuracy  to be used internally and in client presentation   Renewals   Initiate s  review of fully insured  medical ,  and self-funded TPA and   stop   l oss  renewals ,  including  plans, cost ,   contributions  and contract terms   Provide s  recommendations to  client  regarding  renewal  analysis   Partnership & Negotiation   Negotiate s  with carriers based on  client’s targeted goals   Maintain s  ongoing relationship s  with carrier and vendor partners   Underwriting & Analysis   P r ovides analysis for benchmarking, contribution, disruption, network, stop loss deductible and  GeoAccess  analysis   Provide s  underwriting  cost projections for self-funded  medical/Rx, dental,  and  vision  products.   Develops and communicates self-funded  IBN P analysis  to client   Assesses proper  risk and funding structures such as  fully insured vs. self-funded analysis,  and presents findings to client to align with client goals   Reporting   With minimal guidance,  a nalyze s  data for inconsistencies and trend s   Provide s  a written and oral summary of findings to  Client Executive   B uild s  and customize s  reports to fit client needs   Presentation   Prepare s  client presentation s  and present s   i n   front of  client  with provided  direction  from  Client Executive   Training & Mentorship   Provides mentorship to  analysts  and  performs  technical review of work   REQUIRED EXPERIENCE AND SKILLS  include but are not limited to:   2+   years  of similar or related experience   Prefer college graduate,  4 -year degree or equivalent experience   Proficiency  with MS Office Suites   Attain s  Life and Health license & maintain s  through continuing education requirements   Limited travel required (less than 25%)   U nderstand s  concepts of underwriting and actuarial computations   Analyze s  and interpret s  data   Effectively manages multiple projects while meeting timelines   Ability to be firm and persuasive when needed, while maintaining good relationships   Handle s  confidential information with tact and discretion   Salary Range $54,000 — $67,500 USD Compensation & Benefits Being a part of IMA has its benefits. When you become part of the IMA family, you become eligible to take part in our valuable benefits and rewards package designed to benefit you, your family, and your life. Our plans are cost-effective, convenient and provide progressive ways for staying healthy, protecting loved ones, pursuing financial security and living a full and balanced life. This role is eligible for the following: Annual Performance Bonus, Stock Purchase, Medical Plans, Prescription Drugs, Dental, Vision, Family Assistance Program, FSA, HSA, Pre-Tax Parking Plan, 401(k), Life/AD&D, Accident, Critical Illness, Hospital Indemnity, Long Term Care, Short-term Disability, Long-term Disability, Business Travel Accident, Identity Theft, Paid Time Off, Flexible Work Options, Paid Holidays, Sabbatical, Gift Matching, Well-Being Stipend , Personal and Professional Development.  In addition to our robust benefits package, the final offer amounts will depend on a variety of factors, including the candidate’s geographic location, prior relevant experience, and their knowledge, skills, and abilities.  *These benefits do not apply to internship roles. Why Join IMA? We’ve built a reputation for putting our associates first What if we told you that you could be an integral part of an entrepreneurial, expanding company, develop lasting relationships, earn competitive benefits, plus claim part ownership? It’s this unique ownership business model that makes working at IMA so appealing. We work in teams. We sell in teams. We win and prosper as a team We provide support systems and resources that enable each of our associates to focus on what they do best. And as an indep