Your people are physically fit. Are they financially fit?
A structured financial wellbeing programme that helps employees understand their money, make better decisions and build long-term security, led by a CFP® professional with 25+ years inside corporate India.
Led by Ranjeet Singh, CFP® · CFP® ID: IN165470Most wellness programmes cover the first two.
Money worries don’t stay at home. They come to work.
An employee can have a good salary, health insurance and a gym membership, and still carry constant pressure from EMIs, thin savings, family responsibilities and uncertainty about the future. A raise may ease it for a while. Without better financial decisions, the pressure returns.
A pathway the research supports, not a sequence every employee follows. Financial stress also comes from low pay, medical emergencies and family circumstances, so this work equips people without ever suggesting the stress is their fault.
Employees are asking for it. Most employers aren’t there yet.
Recent research from India and global markets points the same way: financial stress is widespread, it reaches into health and productivity, and employers see the value in addressing it.
India
46% of employees in India name financial wellbeing a key priority, yet only 21% of employers treat it as a key area of focus.
WTW Wellbeing Diagnostic Survey, India 2026: 419 employers, 1M+ employees. Sourceof employees believe their employer should play an active or supporting role in their wellbeing.
WTW Global Benefits Attitudes Survey, cited in WTW India Benefits Landscape 2026. Sourceof Indian organisations named expanding financial wellbeing programmes their top priority for 2025.
ADP and People Matters, Future of Pay in India 2025: 300+ HR, payroll and finance leaders. SourceGlobal
of employees report financial stress right now.
PwC Employee Financial Wellness Survey 2026: ~3,500 US employees. Sourcesay financial stress hurts their mental health, and workers spend about 3 hours a week worrying about money while at work.
PNC Financial Wellness in the Workplace 2024, US. Sourceemployers say financial wellness resources help job satisfaction, talent retention and productivity.
Bank of America Workplace Benefits Report 2025, US. SourceGlobal figures come from US workforce surveys and are shown as indicative trends, not Indian workforce estimates.
From awareness to full financial literacy
Six milestones take employees from “I don’t know where my money goes” to confident, informed and financially free. Each one builds on the last.
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101 · Awareness
Know your money
Income, expenses, cash flow, spending patterns and lifestyle inflation.
A clear picture of where money goes -
202 · Resilience
Build your safety net
Emergency funds, debt management, insurance and protection against shocks.
Ready for the unexpected -
303 · Mindset
Master money psychology
Emotional spending, social comparison, avoidance and decision biases.
Calmer, intentional decisions -
404 · Growth
Make money work
Compounding, risk and return, diversification and goal-based investing.
Disciplined, informed investing habits -
505 · Life stages
Plan every chapter
Marriage, children, home, ageing parents, education and retirement.
Life goals mapped and prepared for -
606 · The North Star
Financial literacy & freedom
Confidence to make choices, handle uncertainty and align money with life priorities.
A financially literate, confident workforce
Don’t replace your wellness programme. Complete it.
Every element you already invest in has a financial counterpart that employees are asking for.
Three levels. Start small, scale with evidence.
Begin with a single session or a pilot for 100 employees, then extend across teams and locations.
Financial Wellness Awareness
Keynotes and workshops that open the conversation and give every employee practical starting points.
- 60 to 90 minute sessions or half-day workshops
- In person, virtual or hybrid
- Personal financial wellness action sheet
8-Week Financial Fitness Journey
A structured learning and behaviour-change journey through all six milestones.
- Weekly facilitated sessions and exercises
- Action challenges between sessions
- Ends with each employee’s 90-day financial action plan
Confidential Financial Coaching
Private one-to-one sessions for employees who want to work through their own goals and concerns.
- 45 to 60 minute sessions, typically 3 over 6 to 8 weeks
- Voluntary, employer-sponsored slots
- Personal action and accountability
Built-in Financial Wellness Check. A short self-assessment before and after the programme. Employees see their own results privately. HR receives only aggregated, anonymised insights on financial confidence, emergency readiness and knowledge gains.
Education, never selling
No product pitches and no investment advice. Employees learn to decide for themselves, from a place of understanding.
Confidential by design
No individual scores, income details or debts are ever shared with the employer.
Measured, not assumed
Pre and post assessments track confidence, capability and action plans, not just attendance.
Financial wellness is not just about building wealth. It is about the confidence to live and perform better.
Book a 30-minute call to explore a keynote, a pilot programme or a long-term financial wellness partnership for your organisation.
Talk to Ranjeet- WTW, India Benefits Landscape 2026: Workforce health, affordability and resilience (October 2026)
- ADP India, Employee financial well-being tops priority list for Indian businesses in 2025 (March 2025)
- PwC, Employee Financial Wellness Survey 2026 (April 2026)
- PNC, 2024 Financial Wellness in the Workplace Report
- Bank of America Institute, 2025 Workplace Benefits Report (September 2025)