Financial Strategist

IMA Financial Group•Brattleboro, VT

10d•$54,000 - $67,500•Hybrid

About The Position

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.

Requirements

2+ years of similar or related experience
Proficiency with MS Office Suites
Attains Life and Health license & maintains through continuing education requirements
Understands concepts of underwriting and actuarial computations
Analyzes and interprets data
Effectively manages multiple projects while meeting timelines
Ability to be firm and persuasive when needed, while maintaining good relationships
Handles confidential information with tact and discretion

Nice To Haves

Prefer college graduate, 4-year degree or equivalent experience
Limited travel required (less than 25%)

Responsibilities

Prepares and manages RFP for all self-funded TPA and stop loss submissions to market with Client Executive direction
Collects, manages, and reviews proposals on self-funded TPA and stop loss marketing events
Updates marketing results into spreadsheet ensuring accuracy to be used internally and in client presentation
Initiates review of fully insured medical, and self-funded TPA and stop loss renewals, including plans, cost, contributions and contract terms
Provides recommendations to client regarding renewal analysis
Negotiates with carriers based on client’s targeted goals
Maintains ongoing relationships with carrier and vendor partners
Provides analysis for benchmarking, contribution, disruption, network, stop loss deductible and GeoAccess analysis
Provides underwriting cost projections for self-funded medical/Rx, dental, and vision products.
Develops and communicates self-funded IBNP 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
With minimal guidance, analyzes data for inconsistencies and trends
Provides a written and oral summary of findings to Client Executive
Builds and customizes reports to fit client needs
Prepares client presentations and presents in front of client with provided direction from Client Executive
Provides mentorship to analysts and performs technical review of work