Niche Financial Services develops solutions that controls cost and administration, while maximizing benefits to the employer and employees. We encourage employees to develop an appreciation for non-payroll benefits that they are receiving through their employer. Employee benefit programs are complex. Please be sure to consult a benefits specialist before considering any changes to your employee benefits program. Securities offered through Coastal Equities, Inc. Member FINRA/SIPC. Advisory Products offered through Almanack Investment Partners, LLC. Niche Financial Services and Almanack Investment Partners are not affiliated with Coastal Equities, Inc.