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Benefits and Beyond: Intermediaries’ Perspectives on Financial Wellness

May 09, 2018

Key Takeaways

  • There’s a growing interest in financial wellness programs and the benefits they deliver, according to brokers and advisors.
  • Top challenges in selling financial wellness programs include: cost, employer buy-in, and concerns about ROI.
  • Intermediaries play a key role in aligning a financial wellness program with an employer’s needs and workforce strategy.


Employers are showing a keen interest in financial wellness programs, with good reason. Workers worried about their financial affairs are more likely to say they are distracted and less productive at work than workers unburdened by such concerns.1

Intermediaries (benefit brokers and retirement plan advisors) view financial wellness programs as an opportunity to deliver a wide range of benefits to employees. And 84% expect sales of these programs to increase in the next three to five years.2 While employees, employers, and intermediaries all can benefit from financial wellness programs, top challenges to selling them include cost, limited employer buy-in, concerns about return on investment, and measuring impact. Intermediaries fully expect to expand their breadth of financial wellness offerings as this continues to be a key focus among financial institutions.

As a long-standing provider of employee benefits, Prudential sponsored a survey to gain perspective on how intermediaries view the role that financial wellness programs play for employers, and for their own practices. The results are compiled in this executive summary, which will help readers understand key findings.

1 PwC, “Employee Financial Wellness Survey 2018 Results,” 2018.
2 Prudential, "Benefits and Beyond: Exploring Financial Wellness Among Intermediaries: Plan Advisors and Benefits Brokers," 2018.



The Prudential Insurance Company of America (Prudential)

Financial Wellness offerings, including access to any third-party referrals, are provided by Prudential Workplace Solutions Group Services, LLC (“PWSGS”). PWSGS is an affiliate of Prudential Financial, Inc. PWSGS is not a licensed insurance company, does not provide insurance products or services, and does not provide financial, investment or tax advice. The Financial Wellness offerings are made available solely for general financial education purposes. Individuals should consult appropriate professionals when making financial, investment and tax decisions.

Financial Wellness offerings, including any products, services or other solutions, described in this document are voluntary, individually-selected offerings. They are not part of any employee benefit plan, or any program sponsored or endorsed by an employer.

© 2020 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, the Rock symbol, and Bring Your Challenges are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.

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