60%
of full-time employees are stressed about their finances
PwC Employee Financial Wellness Survey
A Financial Wellness Initiative
Your employees are worried about retirement, struggling with budgets, and losing sleep over whether they'll have enough. It erodes productivity, drives turnover, and quietly undermines their wellbeing. The research is clear.
66%
The Silent Crisis
It's not just a paycheck problem. From retirement anxiety to monthly budget pressure, nearly half of six-figure earners are struggling too.
60%
of full-time employees are stressed about their finances
PwC Employee Financial Wellness Survey
78%
of workers are living paycheck to paycheck
PNC Financial Wellness Report, 2024
47%
of employees earning $100K+ are still financially stressed
PwC Employee Financial Wellness Survey
The Cost to Your Organization
This isn't just about wellness. It's a business problem hiding in plain sight.
$0B
lost annually in productivity
SHRM / Brightplan Wellness Barometer
0 hrs
per week lost to financial worry per employee
Brightplan Wellness Barometer, 2024
0x
more likely to job hunt when financially stressed
PwC Employee Financial Wellness Survey
0%
would stay longer with personalized financial benefits
Morgan Stanley at Work, 2025
The Human Cost
Financial stress doesn't clock out. It follows your employees home — worrying whether they'll ever be able to retire, lying awake running numbers they don't fully understand.
68%
say financial stress directly hurts their mental health
PNC Financial Wellness, 2024
43%
of employee burnout is linked to financial strain
Global Talent Trends, 2024
75%
of Americans report physical symptoms caused by stress
APA Stress in America Survey
The Gap
There's a stark gap between what employees need and what they're getting.
74%
of employees want financial wellness programs
PNC Financial Wellness Report, 2024
28%
of employers actually offer them
PNC Financial Wellness Report, 2024
84%
of employees believe their employer should more actively assist them with financial issues
Morgan Stanley at Work, 2025
The Return
The ROI is measurable, repeatable, and well-documented.
$3–10
returned for every $1 spent on employee assistance programs
SHRM
95%
of companies that measure ROI see positive returns
EBRI Financial Wellbeing Survey, 2024
4.5%
reduction in healthcare costs for employees using wellness tools
SHRM Benefits Research
8 in 10
employers say it drives satisfaction, productivity & talent attraction
Bank of America, 2025
The Problem with Current Options
A good financial advisor can be invaluable — but finding the right one is daunting, and most employees never take that step. They need a starting point: a way to understand their own numbers before they walk into any conversation. Meanwhile, the tools most employers offer today fall short.
Generic, one-size-fits-all content. Employees sit through slides about "the power of compound interest" but walk away without a single action step tied to their own numbers.
Many wellness platforms are really sales funnels — steering employees toward insurance products, managed accounts, or proprietary investments. The advice comes with a commission attached.
Optimize one investment account — but ignore the full picture: income, expenses, debts, life events, and retirement timing.
Great at tracking where money went. But they don't answer "Can I retire at 60?" or show how today's spending decisions affect tomorrow's financial independence.
A Different Approach
FinP4l gives every employee the power to model their financial future with precision — answering "Will I be able to retire?" and "What happens if I change my plan?" with concrete, personalized projections.
Employees see exactly when they can retire based on their income, savings rate, and expenses. Adjust one variable and watch the retirement age shift in real time.
Model different retirement lifestyles — from minimalist to comfortable — and see how location choices, travel plans, and healthcare costs affect the numbers.
Risk-adjusted projections show how market volatility impacts retirement timelines. Employees choose their confidence level and see best-case through conservative scenarios.
Having a child? Changing careers? Getting married? Model 40+ life events and see exactly how each decision shifts retirement readiness and cash flow.
Home buying, vehicle purchases, education funding — employees model the true long-term impact before committing, not just the monthly payment.
Complete income-vs-expense modeling with smart defaults. Employees see how budget changes today compound into retirement readiness tomorrow.
Know Your Numbers, Own Your Future
The FinP4l mission
Employer Peace of Mind
Offering FinP4l to your workforce carries none of the liability, data, or vendor headaches of traditional financial wellness programs.
All data stays on the employee's device. No server storage, no databases, no data collection. Nothing to breach because nothing is stored.
No product recommendations, no affiliate links, no commissions, no upsells. Just objective math. No fiduciary risk for the employer.
No paywall for core features. No per-seat licensing. Employees access full financial modeling capabilities at no cost.
Not financial advice. Not a fiduciary service. No employee PII to manage. No vendor security review needed — there's no data exchange.
For Employers
Browser-based. No software installs, no infrastructure changes, no API connections. Employees access it on any device.
Privacy by design. Employers never see employee financial data. There's nothing to breach because nothing is stored.
Works alongside your 401(k) education, EAP programs, and financial literacy initiatives. Adds depth, not complexity.