Are you looking for a competitive edge in talent retention that doesn't involve unpredictable pay raises? What if you could offer a high-value benefit that directly boosts your team's focus and productivity by reducing their number one stressor: money?Joel Miller, founder of Flames Financial Planning, joins Harmonious at Lunch to detail his disruptive flat-fee financial planning model, designed specifically as a B2B employee benefit. He explains why traditional percentage-based advisors overlook the 'mass affluent'—the very people who make up your workforce—and how providing them with comprehensive financial guidance (including tax prep and estate planning) yields a massive return for your business. Discover a new model for employee benefits that strengthens loyalty, reduces financial anxiety, and drives real performance improvements.In This Episode:[00:00] - Intro: Why Traditional Financial Planning Fails Most Employees[01:18] - Joel Miller on His Mission to Serve the 'Mass Affluent'[03:45] - The Direct ROI of Improving Your Team's Financial Literacy[05:20] - Mythbusting: Will Financially Savvy Employees Demand Higher Pay?[08:10] - The Business Model: How to Scale with a Flat-Fee Service[10:14] - What's Included in the All-in-One Financial Wellness Package[11:58] - The Simple, Low-Effort Rollout Process for Employers[14:48] - The Cost Breakdown: Is This Benefit Affordable for Your Business?[16:40] - The Human Impact: How Financial Clarity Boosts Employee Performance[18:22] - How to Connect with Joel and Upgrade Your Benefits Packageike this video, Comment with your thoughts, and Subscribe to Harmonious at Lunch!Download the full podcast here: Apple Podcasts: https://podcasts.apple.com/us/podcast/harmonious-at-lunch/id1722490295 Spotify: https://open.spotify.com/show/2CIVZu21nyAbhHuO0nskRq?si=3d1f729fa9a743bdiHeart: https://www.iheart.com/podcast/269-harmonious-at-lunch-163898157/ Pandora: https://pandora.app.link/uo2Aj4gmSTb Amazon Music: https://music.amazon.com/podcasts/cb240cab-0e14-4923-8c75-03fe1b21e3ef/harmonious-at-lunchFor strategies to achieve greater clarity in yourself and your employees, visit the HumanOp Website: https://humanop.com/Learn more from Joel Miller & Flames Financial Planning:Ready to offer a benefit that truly makes a difference? Book a call with Joel to discuss how flat-fee financial planning can fit your business and your team. Visit his website: https://flamesfp.com/Connect with Joel Miller: Text Joel: 952-300-9632 YouTube: https://www.youtube.com/@JoelMillerfinance Instagram: https://www.instagram.com/joel.miller.financeFollow Harmonious at Lunch: Instagram: https://www.instagram.com/humanoptechnologies/ Facebook: https://www.facebook.com/HumanOpTech LinkedIn: https://www.linkedin.com/company/humanop-technologies-inc/ YouTube: https://www.youtube.com/@humanoptech#EmployeeBenefits #FinancialWellness #TalentRetention #BusinessOwner #CompanyCultureSupport this podcast at — https://redcircle.com/harmonious-at-lunch/exclusive-content