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 & Be…