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.

• Supports and demonstrates IMA’s core values

• Values and understands the importance of diversity, equity, and inclusion among all IMA associates

• Interactsprofessionally and timely with internal and external clients via email,phoneand in-person

• Marketing/RFPs

• Prepares and managesRFP for allself-funded TPA and stop losssubmissions to market with
  
  Client
  
  Executive direction

• Collects, manages,and reviewsproposalson self-funded TPA and stop loss marketing events

• Updatesmarketing results into spreadsheet ensuringaccuracyto be used internally and in client presentation

• Renewals

• Initiatesreview of fully insuredmedical,and self-funded TPA andstoplossrenewals,includingplans, cost,contribution sand contract terms

• Providesrecommendations toclientregardingrenewalanalysis

• Partnership & Negotiation

• Negotiateswith carriers based onclient’s targeted goals

• Maintainsongoing relationships with carrier and vendor partners

• Underwriting & Analysis

• Provides analysis for benchmarking, contribution, disruption, network, stop loss deductible andGeo Accessanalysis

• Providesunderwritingcost projections for self-fundedmedical/Rx, dental,andvisionproducts.

• Develops and communicates self-fundedIBNP analysis to client

• Assesses properrisk and funding structures such asfully insured vs. self-funded analysis,and presents findings to client to align with client goals

• Reporting

• With minimal guidance,analyzesdata for inconsistencies and trends

• Providesa written and oral summary of findings to Client Executive

• Buildsand customizesreports to fit client needs

• Presentation

• Preparesclient presentations and presentsinfront ofclientwith provideddirectionfrom
  
  Client Executive

• Training & Mentorship

• Provides mentorship toanalystsandperformstechnical review of work

• 2+yearsof similar or related experience

• Prefer college graduate,4-year degree or equivalent experience

• Proficiency with MS Office Suites

• Attains Life and Health license & maintainsthrough continuing education requirements

• Limited travel required (less than 25%)

• Understandsconcepts of underwriting and actuarial computations

• Analyzesand interpretsdata

• Effectively manages multiple projects while meeting timelines

• Ability to be firm and persuasive when needed, while maintaining good relationships

• Handlesconfidential information with tact and discretion

Salary Range

$54,000—$67,500 USD

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…