Employee Financial Wellness Programs

Financial stress is costing
your company more than you think.

A dedicated financial education program from RetirementCFO turns stressed employees into focused, productive contributors — with no product sales, no hidden agenda, and no fluff.

53% of workers report financial stress as their #1 stressor
$7,000 lost per employee annually from financial-stress distraction
40% of employee turnover is directly caused by stress
Schedule a Free Strategy Session View Program Options
As seen on
CNBC· Fox News· Financial Times· CNN· NBC & ABC· Investment News Daily
The Real Cost

Financial stress isn't a personal problem. It's a business problem.

Your employees' financial anxiety is showing up in your P&L. Here's what the research says it's actually costing you.

⏱
$7,000
Lost productivity per employeeWorkers under financial stress spend 20–28 hours per month at work researching personal financial issues.
🏥
$29,000
Average workplace accident cost60–80% of on-the-job accidents are stress-related — including financial stress.
🔄
$13,000
Employee replacement cost40% of employee turnover is directly tied to stress. Financial stress is the leading cause.
🏦
10%
HR payroll divertedOf your HR department's budget — handling 401(k) loans, wage garnishments, and collector calls.

Source: PricewaterhouseCoopers Employee Financial Wellness Survey; ISLES.org

The good news: companies that provide structured financial education see measurable improvements in productivity, retention, and employee satisfaction — and workers who participate increase their expected retirement income by an average of $905 per month.

What HR Leaders Are Saying

Real feedback from the people who matter most.

“

"This was the most useful benefit we have ever offered our employees. The feedback was overwhelmingly positive — people were asking when we could do it again before the session was even over."

HR Director
Long Term Care Partners, Inc.  ·  ~150 Employees
“

"In over 100 workplace sessions, the two questions I hear most at the end are: ‘When can we do this again?’ and ‘Can my spouse attend next time?’ That tells me everything I need to know about whether this is working."

Steve Cunha, CFP®
Founder, RetirementCFO  ·  32+ Years of Workplace Financial Education
Who You're Working With

A fiduciary financial educator with 32+ years of experience — and zero products to sell.

RetirementCFO is an independent, fiduciary practice. Every session is driven by what your employees need to know — not by carrier relationships or product quotas.

"With more than three decades of experience and six professional designations, I've spent my career helping individuals, families, and business owners make smarter financial decisions at every stage of life. The education your employees receive from RetirementCFO is driven entirely by what they need to know, nothing else."

— Steve Cunha, CFP® · C(k)P · AIF · CRPS® · CLU · CLTC
Founder & Managing Partner, RetirementCFO LLC · Top 100 Plan Adviser, Financial Times
CFP®
Certified Financial Planner™
The gold standard in comprehensive financial planning
C(k)P
Certified 401(k) Professional
Retirement plan consulting and fiduciary compliance
AIF®
Accredited Investment Fiduciary
Fiduciary responsibility and prudent asset management
CRPS®
Chartered Retirement Plan Specialist™
Design and management of employer retirement plans
CLU
Chartered Life Underwriter
Advanced life insurance and estate planning strategies
CLTC
Certified in Long-Term Care
Long-term care planning and risk management
Our Approach

Built around your employees' actual priorities.

Every program starts with a digital survey. Your employees rank their financial concerns — and that's exactly what we address.

01
Priority Survey
Employees rank their top financial concerns through a simple digital survey before the program begins.
02
Custom Schedule
Session topics are selected based on the survey results — your team gets what they actually need.
03
Live Sessions
60–90 minute sessions, virtual or on-site, with live Q&A and digital participant materials.
04
Ongoing Access
Comprehensive programs include quarterly office hours for follow-up questions throughout the year.
Program Options

Three formats. All available virtually or on-site.

Choose the program that fits your company's commitment level and budget.

Option A
Single Session
Financial Wellness
Contact for Pricing
Tailored to your company's size and needs
  • 60–90 minute session with live Q&A
  • Topic selected from employee priority survey
  • Digital participant materials included
  • Available virtually or on-site
★ Recommended
Option B
Quarterly Financial
Wellness Series
Contact for Pricing
Tailored to your company's size and needs
  • Four sessions throughout the year
  • 60–90 minutes each with live Q&A
  • Topics driven by employee priority survey
  • Digital participant materials for all sessions
  • Best value for ongoing employee engagement
Option C
Comprehensive Annual
Wellness Program
Contact for Pricing
Tailored to your company's size and needs
  • Six fully customized sessions per year
  • 60–90 minutes each with live Q&A
  • Topics from employee priority survey
  • Quarterly office hours for follow-up
  • Digital participant materials included
  • Maximum depth and employee engagement
Request Pricing & Schedule a Strategy Session

Individual financial planning consultations also available for employees seeking personalized guidance. A complimentary 15-minute introductory consultation is available to all program participants.

Session Topics

12 core topics. Your employees choose what matters most.

Sessions cover the financial issues your team is actually facing — ranked by your own employees before the program starts.

01Retirement Readiness
02Social Security Maximization
03Tax Planning in Retirement
04Creating Retirement Income
05Investing Basics
06Understanding IRAs
07Cash Management & Budgeting
08Managing Debt & Rebuilding Credit
09Estate Planning Essentials
10Life Insurance & Asset Protection
11Healthcare & Medicare Planning
12College Planning

Ready to reduce financial stress
across your workforce?

Schedule a complimentary 30-minute strategy session to see if a RetirementCFO Financial Wellness Program is the right fit for your company.

Book Your Strategy Session

Free · 30 minutes · No commitment required

Schedule Now
Phone: 781-437-4800
Email: steve@retirementcfo.com
Web: retirementcfo.com