 | + | ACCOUNTABLE FINANCIAL WELLNESS |
A Shared Mission
Helping employers support the financial well-being of their people.
EMPLOYEE FIDUCIARY Low-cost 401(k) administration for small businesses — helping employees save for retirement. | + | ACCOUNTABLE Financial wellness coaching — addressing the everyday barriers that prevent financial health. |
Complementary solutions. One shared goal.
THE CHALLENGE
The Missing Piece
Retirement Readiness • 401(k) participation • Contribution rates • Investment allocation • Plan enrollment | ← GAP → Financial reality | Everyday Financial Reality • Debt & monthly cash flow • Unexpected expenses • Financial stress & anxiety • Life transitions |
Employees cannot fully prepare for retirement if they are struggling to manage today.
3 in 4 American workers report major financial stress | 2× Financially stressed employees are twice as likely to leave | 40% Average 401(k) participation without guidance — vs. 95% with it Employee Fiduciary Research | 72% Of employees believe their employer has a responsibility to help |
Sources: PwC Employee Financial Wellness Survey; Employee Fiduciary Research
THE REALITY
Financial Wellness Is About More Than Retirement
These are real conversations Accountable coaches have every day.
POSITIONING
A Complementary Solution
OUTSIDE ACCOUNTABLE'S SCOPE ✕ Investment advice ✕ Insurance products ✕ Tax planning & filing ✕ Wealth management ✕ Legal / estate planning | ACCOUNTABLE Behavior & Action | WHAT ACCOUNTABLE PROVIDES ✔ Financial coaching & accountability ✔ Behavior change support ✔ Budgeting & cash flow clarity ✔ Debt reduction strategies ✔ Goal-setting & follow-through |
Accountable fills the implementation gap — helping employees do the things they already know they should do.
OUR APPROACH
No One-Size-Fits-All Solution
Every employer engagement begins with a Design Consultation — a structured discovery process before any program is recommended.
Every organization has different goals, employee populations, schedules, cultures, budgets, and operational realities.
A manufacturing company may struggle to pull people off the production line for workshops.
A remote sales organization may require virtual coaching and online resources.
Another employer may want to focus on business owner coaching.
Organizational Goals What does success look like? | Workforce Needs Who are we serving? | Existing Benefits What's already in place? | ||
Budget & Timeline What are the constraints? | Design | Desired Outcomes How will we measure progress? | ||
SERVICES
Built Around Organizational Needs
Workshops Group financial education on targeted topics | Group Coaching Structured cohorts with ongoing accountability | 1:1 Coaching Personal sessions with a dedicated coach | Resource Libraries Self-paced content for employee-driven learning | |||
Wellness Challenges Engagement programs around financial goals | Biz Owner Coaching Support for owner-level financial decisions | Leadership Support Confidential sessions for managers & executives | Quarterly Check-ins Organizational pulse checks & program reviews | |||
Programs are built from these components — selected and sequenced based on each organization's unique needs.
DIFFERENTIATION
Education + Human Accountability
Typical Wellness Solutions Content libraries & articles Self-paced online modules Calculators & tools Webinars & recorded sessions Self-directed — low accountability | → | Accountable Real human coaches Ongoing accountability sessions Personalized to each employee Action-oriented follow-through Vetted, trained, certified coaches |
Information changes minds. Human accountability changes behavior.
REAL CONVERSATIONS
Real Conversations. Real Challenges.
“I have no idea where my money goes.” | “My spouse and I argue about money constantly.” | “I want to save more but I'm just trying to keep up.” | “My parents need financial help and I don't know what to do.” | |||
“I have debt from a divorce I haven't dealt with.” | “I'm behind on retirement savings and feel like it's too late.” | “My income varies and I can't stick to a budget.” | “I'm scared to look at my finances.” | |||
These are the conversations that happen when employees feel safe enough to ask for help.
THE NUMBERS
Our impact speaks for itself.
These are not projections. They are the actual outcomes of the Accountable coaching network.
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$147M+ Total client debt eliminated 2009 thru 2014 |
90% Of clients report financial peace within 30 days |
85% Have a spending plan in place within 2 months |
$600+ Average monthly cash flow improvement per client |
THE TEAM
Real People. Real Coaches. Wherever Your Employees Are.
QUALITY
A Commitment to Quality
1 | Coach Vetting Every coach completes a multi-step review before joining the Accountable network — background, qualifications, and values alignment. Over 130 hours of coursework, mentoring & application. |
2 | Certification Pathways Coaches follow structured certification pathways. Certification is earned through guided coursework and practical evaluation — not self-reported. |
3 | Continuing Education Coaches participate in ongoing professional development. Standards evolve, and we ensure our coaches do too. |
4 | Specialty Matching Coaches are matched to employer context and employee need — not just assigned by availability. |
5 | Ongoing Coach Support Coaches have access to a full support infrastructure — they're never left to figure it out alone. |
Quality standards protect employers, employees, and the integrity of the coaching relationship.
EMPLOYEE JOURNEY
Simple. Private. Voluntary.
1 Learn Employee hears about the program | → | 2 Engage Chooses to participate voluntarily | → | 3 Match Paired with the right coach | → | 4 Support Ongoing sessions & accountability | → | 5 Progress Employee moves forward at their pace |
Privacy note: Employee conversations with coaches are confidential. Employers receive aggregate engagement data — not individual information.
EMPLOYER JOURNEY
Easy for Employers
Minimal Administration No complex HR integration. Accountable manages the coaching infrastructure so your HR team doesn't have to. | Flexible Engagement Offer as a standalone benefit, an add-on to existing wellness, or a bundled program. Structure it to fit. | |
Simple Implementation Onboarding is designed to minimize burden on HR and operations teams. Most programs launch within 2–4 weeks. | Scalable Support Appropriate for 25-person firms and 500-person organizations alike. The model scales without complexity. | |
Accountable handles the complexity. Employers handle the communication.
IMPLEMENTATION
Simple to Launch
WHAT'S NOT REQUIRED ✕ Software integration ✕ Payroll system access ✕ Retirement plan changes ✕ Employee financial data sharing ✕ New vendor compliance reviews ✕ Dedicated HR staff | WHAT IS REQUIRED ✔ Design Consultation (~1 hr) ✔ Employee communication support ✔ Designated point of contact ✔ Leadership buy-in |
Most programs are ready to launch within 2–4 weeks of the Design Consultation.
GETTING THE WORD OUT
Possible Ways to Roll This Out
Employee Fiduciary already has natural touchpoints with plan sponsors and HR contacts. These are doors that are already open — no new infrastructure required to introduce the program.
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