September 2026 - Financial Tools at Work Could Help You Take Control of Your Money
A little practical guidance can go a long way, whether you’re trying to make a budget, pay down debt, save more, or simply feel less stressed about money. Fortunately, useful financial tools and assistance may be closer than you think.
Many employers offer financial wellness and planning resources as part of their workplace benefits. A recent study found that employees who participated in financial education provided by their employer were more likely to report positive financial behaviors and greater confidence in managing their finances. Although these programs can’t guarantee better outcomes, taking advantage of these resources can be a meaningful step toward your financial goals.
Key Benefits Found in the Study Include:
• Greater confidence in reaching a financial goal. Confidence isn’t only about the size of your paycheck. In the study, 87% of workers who took part in workplace financial education said they felt confident they could reach a financial goal, compared with 73% of those who hadn’t. In fact, 82% of workers earning under $100,000 who participated were just as confident as higher income workers who didn’t participate.
• Being satisfied with the state of their personal finances. More than half of participants (55%) said they were satisfied with their current financial situation, compared with 36% of nonparticipants. The difference was smaller among lower earners: 45% of participants earning less than $100,000 said they were satisfied with their financial situation, compared with 50% of higher-earning nonparticipants.
• Spending less than they earned. This simple habit is an important foundation to building financial stability. Nearly half (45%) of workers who participated in financial education said they spent less than their household income during the prior year, compared to 38% of those who didn’t participate. The gap was especially noticeable among workers earning less than $100,000: 40% of participants reported spending less than they earned, compared with 33% of nonparticipants.
• Understanding everyday money concepts better. Questions about savings, inflation, investing, loans, and mortgages can sometimes feel complicated. Workers who participated in their employer’s financial education offerings demonstrated a stronger understanding of these everyday financial topics, even after researchers accounted for differences in income, education, gender, and background.
Explore the Resources Available to You
Workplace financial education can take many forms, from webinars and educational materials to financial apps, group classes and one-on-one sessions. Your employer may offer resources like these to help build your financial knowledge and make informed decisions about your money.
While these programs can’t promise better outcomes or solve every financial challenge that comes your way, they can provide practical information, help support healthier financial habits, and give you a clearer starting point for making decisions about your money. If your employer offers these kinds of resources, taking a look could be a simple step toward building your confidence and making progress toward your financial goals.
For more information on retirement planning, please contact Fiduciary Pension Partners at (833) FPP- 401k or email us at info@fiduciarypp.com. You can also visit the Fiduciary Pension Partners YouTube Channel for helpful videos on retirement planning and other retirement topics.