Financial health doesn’t live in a vacuum. It’s not a box you can tuck away at 9:00 AM and pick back up at 5:00 PM. Financial stress follows people into the office, affecting their focus, health, and overall productivity.
You can support employees by offering a retirement plan. But to truly help your team and by extension, your business, it helps to look at the bigger picture. When employees feel in control of their money, they become more engaged and far more likely to contribute to their future.
At 401GO, we believe financial wellness should be accessible, not an expensive “add-on.” That’s why we created 401Goals™, a full suite of financial wellness tools available to every participant at no additional cost.
Here is a breakdown of how we help your team bridge the gap between today’s spending and tomorrow’s retirement.
Retirement Planning That Actually Makes Sense
Numbers on a spreadsheet can feel abstract, distant. Our Retirement Calculator changes that by turning data into a visual roadmap. Employees can input their current financial information to see a projection of their future savings. It’s one of the best ways to show the magic of compound interest in real-time, helping them see exactly how a small change today can lead to a much more comfortable tomorrow. Especially early in people’s careers, this kind of visualization can be an important educational tool.
A Simple Financial Overview
Most people have accounts scattered everywhere, making it hard to see their “big picture” or accurately understand their situation. 401Goals allows participants to:
- Link external accounts to see all their finances in one place
- Track spending and cash flow to see where the money is actually going
- Create budgets that work for their specific lifestyle
- Manage debt and calculate their true net worth
Basically, all of their financial information is found in one place. No need to switch accounts and hunt for old logins. Participants can explore different ways to save for their future using clean and efficient tools.
What is a “FinStrong” Score?
Think of it as a credit score, but for your overall financial health. We take complex data points and distill them into a simple number from 0–100.
This score looks at the habits that matter most such as:
- Spending less than you earn
- Paying bills on time
- Maintaining an emergency fund
- Managing debt and credit health
Participants can see how they stack up against their peers and receive tailored advice on how to improve their score and move toward true financial freedom.
AI-Driven Financial Insights
We use AI where it matters most: helping people understand their financial situations. Our Financial Insights tool offers spending suggestions and highlights areas where an employee might be able to save a little extra. It’s like having a digital financial coach that points out the small wins they might be missing.
Education for Every Stage
Financial literacy isn’t one-size-fits-all. Our library of articles covers everything from “How do I start a career?” to “What is my net worth?” We want to ensure that whether an employee is 22 or 62, they have the information they need to feel confident.
The best part? You don’t have to manage any of this. These tools are built right into the 401GO platform, ready for your team to use from day one. By providing these resources, you’re not just offering a 401(k); you’re offering a path to peace of mind.
