The Ultimate Guide to Evaluating Financial Wellbeing Solutions

The Ultimate Guide to Evaluating Financial Wellbeing Solutions is a free, practitioner-built resource that gives HR and benefits leaders a clear framework for comparing providers, from fiduciary status and 1:1 guidance from Certified Financial Planner^® professionals to engagement, global reach, and outcomes. Download it to evaluate vendors with confidence.

What is the Ultimate Guide to Evaluating Financial Wellbeing Solutions?

It is a free guide that walks HR and benefits teams through how to assess financial wellbeing providers and choose the one that fits their workforce. It covers the evaluation criteria that separate a guidance-first program from a product-sales channel, with case studies and questions you can take straight into a vendor conversation or RFP. If you are early in the process, pair it with the Workplace Financial Wellbeing Buyer's Guide and the top 20 questions to include in a financial wellbeing RFP.

Why is financial wellbeing worth evaluating now?

Financial stress is one of the most common pressures employees carry into work, and it shows up in lower engagement, delayed retirements, and turnover. The LearnLux Workplace Financial Wellbeing Report finds 60% of employees lack adequate emergency savings and 76% carry high-interest debt. Employers that give employees real guidance see the return: 80% of employees say they have a more positive view of their employer because they have access to LearnLux, and 79% say they are more likely to stay because of the program. Why is employee financial stress a business risk? puts the cost in business terms.

What will you learn from the guide?

Evaluation criteria that predict outcomes

Understand the factors that actually separate strong providers from weak ones, from program features and provider expertise to how the provider earns its revenue and how employees engage with it.

Real-world case studies

See how employers across industries rolled out financial wellbeing programs and the results they measured, so you can set realistic expectations for your own workforce.

How to measure ROI and effectiveness

Get a practical approach to assessing each solution, measuring ROI, and confirming that a program aligns with your goals before you sign.

Best practices from benefits leaders

Learn from HR and benefits leaders who have selected and implemented financial wellbeing programs, including what they would do differently.

How does the guide help you tell guidance from a sales pitch?

The biggest difference between providers is how they make money. Many financial wellness platforms earn commissions on insurance or investment products, referral fees from partners, or interest on loans, which shapes the guidance employees receive. The guide shows you how to spot that conflict and how to confirm whether a provider is fiduciary, paid by the employer to deliver guidance rather than to sell a product. LearnLux operates on a fiduciary model, with 1:1 guidance from Certified Financial Planner^® professionals paired with best-in-class money management tools. What is a fiduciary financial wellbeing program? explains the model in full.

Who should download the guide?

The guide is built for HR and benefits leaders evaluating, renewing, or building the business case for a financial wellbeing program: CHROs, VPs of Benefits, Total Rewards, and the teams who own employee wellbeing. It is equally useful for multinational employers comparing global programs, since the criteria account for guidance that is tailored to each country's financial systems and cultural nuances.

Frequently asked questions about evaluating financial wellbeing solutions

What should I look for in a financial wellbeing provider?

Start with how the provider is paid, then look at the quality of guidance, the credentials of the people delivering it, employee engagement, global reach, and measurable outcomes. The guide turns each of these into questions you can score vendors against.

How do I know if a provider is a fiduciary?

Ask how the provider makes money, whether it sells or earns commission on any financial product, and whether its planners are Certified Financial Planner^® professionals held to a fiduciary standard. A fiduciary provider is paid by the employer for guidance, not by a product manufacturer or lender.

How do I measure the ROI of a financial wellbeing program?

Look at engagement, changes in financial confidence and stress, and downstream effects on retention and on-time retirement. The guide lays out which metrics to track and how to tie them to your benefits goals.

Does the guide work for a multinational workforce?

Yes. LearnLux is a global financial wellbeing program, and the evaluation criteria cover how a provider supports employees across countries, with planners available in members' current country of residence and guidance tailored to each country's financial systems and cultural nuances.

Is the guide free?

Yes. The guide is free to download. Share your details to get instant access.

Download the guide

Download The Ultimate Guide to Evaluating Financial Wellbeing Solutions to compare providers with a clear framework and choose a program your workforce will use and trust. To see how a fiduciary, guidance-first model works for your team, request a demo of LearnLux.

By requesting access to this resource, you may be contacted by LearnLux with relevant information and newsletters about financial wellbeing. You may opt out of communications at any time. For more information on LearnLux, head to learnlux.com.