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What Is Financial Wellness?

Financial wellness – sometimes referred to as financial well-being – means the ability to have a healthy financial life.

It is being in a situation where you control your day-to-day and month-to-month finances while having the freedom and security to deal with financial emergencies and still stay on track to meet your long-term financial goals. The U.S. Consumer Financial Protection Bureau (CFPB) identifies four elements that define financial wellness or well-being.

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Impact of Financial
Stress on Employees

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76% Say Financial
Stress Affected Their
Ability To Focus
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33% Say Financial Stress Caused Them To
Miss Or Be Late To Work
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Preoccupation with money problems can cause a cognitive decline of 13 IQ points – about the same as losing a full night’s sleep – according to a 2013 study published in the journal Science.

Source: Association for Psychological Science

did you know?

Employers are feeling "extreme responsibility" for employees' financial wellness and future financial success.

By 2019, 53 percent of companies offered financial wellness programs, compared to just 24 percent four years earlier, according to a survey by Bank of America.

Also, more employers now believe they have an “extreme responsibility” for their employees’ financial wellness – more than a four-fold increase between 2013 and 2020. Employers are partly driven toward improving workers’ financial wellness because it also improves their bottom line. Other surveys suggest that financial stress makes workers less productive. At the same time that businesses are expanding access to financial wellness programs, the number of individual workers who rate their own financial wellness as good or excellent is declining.

What's the solution?

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Employee Financial Wellness Program

We understand that you care about providing valuable benefits that help alleviate stress and financial burdens for your employees. The Broughton Investment Group with Savology created a financial wellness solution designed to specifically address the unique financial challenges that your employees face.  Every employee receives a suite of personalized financial planning tools and resouce4s that actually make a difference.


Our easy-to-use digital platform along with other key elements deliver a platform that helps your employees make meaningful improvements to their personal finances. Each person receives a tailored experience that includes individual financial plans and report cards, personalized action items, literacy courses and planning tools to keep them engaged. 

Empowering financial wellness. For everyone.

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Everyone wins with financial wellness.

90% of employees wish their employer provided financial planning benefits and 89% of employers have indicated that they plan to expand their financial wellness efforts. Here's how everyone benefits:

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Peace of Mind

Individuals with financial plans feel 83% better about their finances after just one year. 

Financial Security

Households with financial plans are 2.5X more likely to save enough for retirement.

Improved Outcomes

Financial wellness benefits increase productivity, improve recruiting and retention and decrease absenteeism. 

Positive ROI

Studies demonstrate that offering financial wellness benefits for your people can result in a 3x return on investment for the company.

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Financial wellness made easy.

"We were searching for a financial wellness tool to enhance our team member benefits. Broughtons' BIG Money Academy offers an affordable and engaging platform with actionable steps team members can take to improve their financial wellness. Our team members love the platform."

Amy Martin, HR Manager

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Source: Savology 2022

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