PTO Exchange is a flexible benefits platform that turns earned but unused paid time off (PTO) hours into other assets – Employees can redirect the money into their retirement account, pay down student loans, make contributions to the HSA, donate to charitable causes and more.We help companies attract & retain talent, strengthen community, and reduce balance sheet liabilities all while employees reclaim lost vacation.

Whether you’re an employer, vendor, or broker looking to enhance your employee benefit programs and product offerings, PBS is here to help you turn conceptually-sound ideas into fully implemented solutions that add tangible value and unprecedented ROI.At PBS, each of our programs is uniquely positioned in the marketplace – particularly when they’re contrasted against traditional vendors with basic products. Our lineup includes:Pharmacy analytics and cost containment programs Financial wellness programsStudent loan benefitsPersonalized action plans for protecting employee’s financial goalsFinancial coachingCollege planning servicesEmployee loan programsLifestyle benefit programsEmployee purchase programsEmployee communicationEnrollment and Benefits technologyId theft protectionThe central focus of Preferred Benefit Solutions is to merge innovation with benefits. Our passion is to uncover new and existing companies that offer unique products and services that employers and brokers can derive tangible value and benefit. Via my role as a dynamic communicator and distinguished sales professional, we are revolutionizing this industry from the inside out.

Kashable is a financial wellness benefit that provides employees with reliable access to low cost credit. Kashable can help employees cover the financial gap created by high-deductible health plans, personal emergencies and other times of financial hardship.Partnering with employers creates many unique efficiencies that allow us to lend to a broad base of employees across all credit spectrums, at competitive interest rates that are typically below what they can achieve in the open market. The reality is that more than 50% of American workers don’t have $1,000 in savings in case of an emergency and 34% have no savings at all, and more than 2/3’s live paycheck to paycheck. When a financial emergency happens, employees have no good place to turn, and many of them borrow the funds from their retirement plans, credit cards or predatory payday lenders. What makes Kashable different from your traditional bank, credit union or online lender, is that we changed the risk profile from a credit risk to a termination risk. Kashable incorporates employment data into the underwriting, giving longer term employees extra positive weight, the credit decision is not based solely on credit score. So, employees with poor credit, but strong work history, are able to access fair and lower cost credit. Our interest rates start at 6% APR with loans terms from 6 to 18 months. Why offer Kashable?• Prevent employees from delaying or avoiding healthcare • Help employees preserve retirement income with an alternative to 401k loans• Create a more productive work environment • Provide the opportunity for employees to rebuild credit • Improve employee retention and support financial wellnessKashable is a life happens benefit, available to employees 24/7, 365 days a year, not only during open enrollment.

Describe your position

For the last 30 years, EOI has helped more than 1000 employers increase the effectiveness of their employee retention strategy by promoting their existing benefits and adding new voluntary benefits.EOI excels as a provider of custom designed, personalized benefit statements and in providing the systems and expertise for implementing electronic core benefit enrollments. EOI now has offices in Chicago, California, Colorado and, New Jersey. We are appointed and licensed to write insurance in all 50 states. Our business has been evenly spread between the eastern half and the western half of the United States.The company is privately owned and is well known for its team of salaried, professional enrollment counselors.

Preferred Benefit Solutions is an employee benefits enrollment firm specializing in the sale, design, enrollment, and administration of Voluntary Benefit Programs. We partner with brokers, consultants and platforms to bring customized benefit programs to employer groups both large and small across all industries nationwide.

VICE PRESIDENT, WINSTON FINANCIAL SERVICES, INC. (Voluntary Employee Benefits Marketing Organization)•Responsible for the sales production of voluntary benefit programs and group products.•Designed, implemented and administered voluntary benefit programs for unions and the private sector.•Recruited, hired, trained and managed enrollment staff of employees and per diems.•Created and established incentive programs.•Developed and implemented Direct Marketing Campaigns.•Researched and identified new business opportunities and developed sales strategies.•Interacted with brokers to create new selling opportunities.•Established relationships with union presidents to promote voluntary benefits to their membership.

Managed a Sales Staff of 40 plus employeesHelped create and develop a sales training program, which resulted in a formalized training department for the entire company.Created and implemented incentive programs that resulted in a 5 million-dollar plus increase of gross sales (without increasing sales staff).Established a sales conservation program that saved over one million dollars of lost premium.Conceptualized, organized and developed an aggressive marketing campaign called "Direct Employer Sales" (D.E.S.). Acquired new Select Employer Groups (SEG’s) for credit union’s and marketed the credit unions benefits as well as our insurance programs at the SEG’s place of work.