Innovating the Financial Wellness Landscape

Our Think Tank consists of an expert team of CERTIFIED FINANCIAL PLANNER™ professionals who are working with employers, employees, government policy groups and industry leaders to find innovative ways to build life-changing financial wellness solutions.

Meet The Team

Follow our Best Practices blog to learn how to build a workplace financial wellness program that will effectively drive employee behavior change.


Sign up to access research compiled by our Think Tank of CFP® professionals based on actual trends in employees’ financial behaviors and habits.

2016 Year in Review Report

Mar. 22nd, 2017

The Financial Finesse Think Tank’s 2016 Year in Review Report finds employee financial wellness, particularly in retirement preparedness, is improving across all demographics.

2016 Gender Gap in Financial Wellness Report

Oct. 18th, 2016

The Financial Finesse Think Tank’s 2016 Gender Gap in Financial Wellness Report has quantified the potential impact that leaving the workforce at different points in a woman’s career can have on retirement savings to help them better plan for the myriad of obstacles they face in the future.

2016 ROI Special Report 

Sept. 13, 2016

The Financial Finesse Think Tank’s 2016 ROI Special Report provides organizations with a new ROI model to help HR and benefits teams benchmark their financial wellness programs and identified how incrementally improving employees’ financial wellness can have significant impact to a company’s bottom line.

2016 Financial Stress Research

Jul 25, 2016

U.S. employees who do not have a handle on their day-to-day expenses are more likely to struggle with chronic health issues, relationship issues and substance abuse problems. The effect on employers comes in the form of lost productivity, increased risk of on-the-job accidents and absenteeism.

2016 Generational Research

Jun 01, 2016

While overall employee financial wellness continues to be challenged by debt and money management problems across all generations, there are encouraging opportunities for Gen X and Millennials to learn from the successes and failures of their Boomer colleagues.

2015 Year in Review

Mar 08, 2016

While overall trends remain static, our latest study shows that the way to improve employee financial wellness, and to narrow the Gender Gap, could be human-to-human coaching with technology playing a supporting role.

2015 Employee Retirement Preparedness

Nov 02, 2015

More responsibility is being shifted onto employers to fund their own retirement with the growing trend in self-directed benefits, yet our research has shown that only 19 percent of employees are confident they are on track to retire.

2015 Gender Gap in Financial Wellness

Sep 14, 2015

This study quantifies the gender gap in retirement preparedness and money management between men and women, both of which have significant implications to employers and the economy as a whole.

2015 Employee Financial Stress

Jul 01, 2015

Our 2015 Financial Stress Report found that financial stress is hitting low to middle income moms the hardest.

2015 Generational Research

Mar 03, 2015

Financial Finesse’s annual generational study analyzes the financial priorities and vulnerabilities of Millennials, Generation X, and Baby Boomers.

2014 Year in Review

May 20, 2015

Financial anxiety is still very high, but the focus on the national economy is diminishing, with employees honing in on their personal financial stress more proactively.

2014 Employee Retirement Preparedness

Oct 21, 2014

The retirement preparedness of U.S. employees improved in 2013, continuing a slow but steady increase in retirement confidence since 2011.  Nearly 1 in 5 employees that completed a financial wellness assessment during the year reported being on track to reach their income-replacement goals in retirement

Trends in Employee Financial Issues Q2 2014

Sep 11, 2014

Although the stock market continued to do well in the second quarter of 2014, we are seeing mixed signals in our data. Results could indicate a growing anxiety about whether we have reached a peak in the stock market.

2014 Gender Gap in Financial Literacy

Jun 19, 2014

After watching the financial literacy gap widen steadily, in 2013 this trend started to reverse itself.  From 2012 to 2013 the overall gap shrank from a 14 percentage point difference to just under a 13 percentage point difference.  Although this seems like a small movement, it masks the overall advances women are making.  While each gender regained their 2011 financial wellness levels and are moving even farther ahead in terms of engagement and proactivity, women appear to be taking larger strides than men.


Trends in Employee Financial Issues Q1 2014

Jun 4, 2014

The first quarter of 2014 continued a trend of increased employee engagement and proactivity that began to emerge in 2012.  Seventy-eight percent of questions received by our team of CERTIFIED FINANCIAL PLANNER™ professionals were proactive in nature, focusing on what employees could do to improve their financial wellness rather than what they needed to do in response to an immediate financial problem.

2014 Employee Financial Stress

May 13, 2014

Last year, employees experienced a sizeable increase in overall financial stress with 23% indicating “high” or “overwhelming” levels of stress, compared to only 18% in 2012 and 19% in 2011. This rise in stress, which MONEY Magazine is calling the “Great Insecurity,” is the first increase in financial stress we have seen since the Great Recession supposedly ended in June of 2009.

2013 Year in Review

Apr 9, 2014

Employees became significantly more engaged and focused on their finances in 2013 versus previous years, approaching financial management as a lifestyle choice rather than a series of decision points. As a result, employers offering an online financial learning platform since 2010 when the tool was originally launched have seen registrations grow 85% and overall usage grow 166% since then.

2013 Generational Research

Jan 14, 2014

In our previous generational research report, we examined the strengths, weaknesses, opportunities, threats, and educational needs of Millennials, Generation Xers, Late Boomers, and Early Boomers. We also highlighted key trends to watch. In this report, we examine how each generation is doing a year later, and then highlight some key areas to look out for over the next year.

Trends in Employee Financial Issues Q3 2013

Nov 13, 2013

After holding steady in the second quarter, employee financial wellness declined in Q3. Employees that completed a financial wellness assessment showed improvements in cash and debt management, but the overall financial wellness score fell below 5.0 for the first time since Q1 2012. Employees may be moving from a place of ignorance to a place of enlightenment as the percentage of employees that answer “I don’t know” to important financial questions has decreased over the last two years. However, as more employees become aware of their financial shortcomings, a new sense of worry may be creeping back into the national psyche.

2013 Employee Retirement Preparedness

Sep 25, 2013

The retirement preparedness of U.S. employees has slightly improved since last year. Twenty percent of employees that have taken a financial wellness assessment report being on track to reach their income-replacement goal in retirement, up from 18% last year and 14% the year prior. It is important that this general trend continue in order to avoid a major retirement crisis as government and corporate retirement benefits are expected to provide less income replacement in the future.

Case Study: Impact of Employee Financial Stress on Health Care Costs

Sep 6, 2013

Finances are the leading cause of employee stress, which can cost a company significantly in health care costs. Read a case study of one Fortune 500 company’s financial wellness program and how it improved employees’ financial wellness, increased retirement plan participation and reduced health care and other costs to the company’s bottom line.


Trends in Employee Financial Issues Q2 2013

Aug 15, 2013

This quarter was, on balance, a strong one for employees from a financial perspective. Investment confidence has increased significantly since last year with 40% of employees indicating they are confident with their investment strategy versus 33% in Q2 2012 and 28% in Q2 2011. Economic confidence is also notably higher, with the minority of employees reporting being worried about the U.S. economy.

2013 Gender Gap in Financial Literacy

Jul 17, 2013

From Q1 2010 to Q1 2012 we have seen a steady widening of the financial literacy gap between men and women, but data from Q1 2013 shows that this trend may be stabilizing instead of worsening as it had over the last few years.


2013 Employee Financial Stress Research

Jun 4, 2013

Continued concerns about the U.S. economy lead the way in causing financial stress in the workforce in the first quarter of 2013, but stress levels due to financial issues have been steadily decreasing over the past few years and have now leveled off. As we move farther away from the Great Recession and the recent threat of the so called “fiscal cliff,” employees are increasingly less likely to report high or overwhelming levels of financial stress. However, more concerning is that financial stress is most pervasive among key demographics that make up a large percentage of the American workforce. According to our findings, financial stress varies dramatically based on employee demographics.

Trends in Employee Financial Issues Q1 2013

May 16, 2013

Employee financial wellness improved in the first quarter of 2013, extending a long-term trend that began in the first quarter of 2010. Employees’ overall financial wellness score reached 5.2 out of 10 vs. 4.9 out of 10 one year ago, as measured by Financial Finesse’s proprietary financial wellness scale.

2012 Year in Review

Mar 6, 2013

After starting the year with a significant backslide in financial wellness, employees regained some of their financial footing and closed out the year slightly behind 2011, though still ahead of 2009 and 2010. The most substantial decline occurred in the area of cash management:

Join us at our regular webcasts and speaking engagements where our Think Tank provides their perspective on trends and opportunities in workplace financial wellness.

PSCA 70th Annual National Conference 

May 2nd – 3rd, 2017

Join our Resident Financial Planner Kelley Long, CPA/PFS, CFP® for a lively discussion around how to better prepare your workforce for retirement. She’ll share best practices to help plan sponsors provide the tools and guidance ahead of time so that their employees can save time and money, both for the plan sponsor as well as the employee’s use of time on the job figuring it out. This session will help you learn what to do to ensure employees are confident and stress-free as they approach retirement.


PLANSPONSOR Webcast: Financial Wellness in Action

Thurs. October 20th, 2016 @9:00 am PST/12:00 pm EST

Financial wellness has evolved tremendously and more and more companies are designing programs that appeal to their unique employee bases. In this webcast hosted by PLANSPONSOR Magazine, Liz Davidson, CEO and founder of Financial Finesse and Barbara Delaney, Principal of StoneStreet Advisor Group share insights into the NYPD Superior Officers Council’s effective and creative financial wellness program that is helping police officers better plan for their future.

35th Annual ISCEBS Employee Benefits Symposium: Healthy, Wealthy and Wise: Improving the Financial Well-Being of Your Workforce

Wed September 21, 2016 @ 10:45am – 11:45am

Financial Finesse’s Senior Financial Planner, Linda Robertson, will be speaking at the 35th annual ISCEBS Employee Benefits Symposium on how employers can identify key components of financial health and incorporate them into their overall wellness program. According to the APA, 12% of employees reported skipping going to the doctor in the past year because of financial concerns. With over half of companies now offering high-deductible health plans, your workforce’s financial health could be at risk if they are not prepared for increased out-of-pocket medical costs. By providing workplace financial education with a focus on financial wellness, you can better prepare employees to manage their health care expenses today without jeopardizing their financial goals.

26th Annual Worksite Wellness Conference: Igniting the Evolution of Wellness

Wed September 14, 2016

With about 1 in 4 in the workforce living paycheck to paycheck, 85% of employees reported feeling at least some level of financial stress last year, leading to almost 90% of employers planning to add some type of financial wellness benefit this year. As this trend grows exponentially each year, it’s becoming increasingly challenging for corporate wellness departments and benefits managers to evaluate the varying options available. Learn which approach is best based on your business needs and how to select the best partner in fulfilling your needs.

2016 San Francisco Fiduciary Summit

Wed June 8, 2016

Bay Area 401(k), 403(b), and Retirement Plan Sponsors are gathering for the 2016 San Francisco Fiduciary Summit. The summit is an educational workshop for Finance, Human Resource & Benefit Executives, Business Owners, and Fiduciaries to discuss retirement plan best practices and strategies. The summit is a stop on the 2016 Retirement Plan Road Show, which has helped thousands of plan sponsors positively impact millions of America’s participants.

Financial Issues Across Generations

Tue June 7, 2016 @ 10am

Description of session: While overall employee financial wellness continues to be challenged by debt and money management problems, there are encouraging opportunities to help younger generations avoid the mistakes of their Boomer colleagues. This discussion of the Financial Finesse 2016 Generational Research takes a look at the challenges and opportunities that each generation faces, and how employers can target financial education to fit each generation’s learning style and motivate behavioral change.

2016 Payflex Customer Forum

Tue May 3, 2016 – Wed May 4, 2016

Description of session: Studies show that financial stress has a direct link to a company’s healthcare costs. Adding a holistic financial wellness component to your wellness program can not only increase your employees’ financial knowledge and get them on track to meet their goals, but also reduces financial stress and associated healthcare costs, increases productivity and engagement, and empowers them to make the most of all of their workplace benefits. Through a deep dive into Aetna’s multi-channel, integrated Wellness Works campaign, we’ll share best practices that have helped Aetna realize improvements in many of these areas, including increased HSA participation.

PSCA’s 69th Annual National Conference

Tue May 3, 2016

Description of session: The market has a vast array of products and services available in the financial wellness space, so it can be hard to determine the right pieces for your organization’s program. This session will explore developing your wellness strategy and building your program. We will also discuss the most cost-effective options for your strategy and effective implementation of your program. Organization case studies will be shared so you can see what’s working for your peers.

CIEBA, Committee on Investing of Employee Benefits Assets Inc.

Wed April 6, 2016

CIEBA, the Committee on Investment of Employee Benefit Assets, represents more than 100 of the country’s largest pension funds. Its members manage almost $2 trillion of defined benefit and defined contribution plan assets on behalf of 17 million plan participants and beneficiaries. As the largest organization of corporate pension investment officers, CIEBA represents the interests of employee benefit plan sponsors before legislators, Congress, regulators, and the media.