How it works

From zero to financial clarity in under 10 minutes.

No IT integration. No HRIS connection. No data liability for the employer. Just a link that gives every employee a complete financial picture.

STEP 01

Employer sets up in 5 minutes.

No IT ticket. No procurement process. No integration work. You contact us, we generate a private enrollment link for your company, and you share it with your team — by email, Slack, or wherever you communicate.

  • No HRIS or payroll integration required
  • No employee data collected by FinancialCheq at signup
  • Works for any team size — 10 to 10,000
  • Live within the same business day
YOUR ENROLLMENT LINK
financialcheq.com/intake?company=your-company
✓ Share via email, Slack, or intranet
✓ Unique to your company — tracks participation
✓ No employee accounts or logins required
7-STEP GUIDED INTAKE
01About youDone
02Income & taxesDone
03Savings & investmentsDone
04Debt & expensesDone
05Retirement goalsCurrent step
06Insurance & protection
07Documents & goals
STEP 02

Employee completes a 10-minute intake.

A guided 7-step form covering their complete financial picture. Plain language throughout — no financial expertise needed. Employees can skip optional fields and still get a meaningful report.

  • Income, taxes, and withholding
  • Savings accounts, retirement accounts, investments
  • Debt balances and monthly obligations
  • Retirement age and income goals
  • Insurance coverage and estate planning gaps
STEP 03

A personalised report is generated instantly.

Within 30 seconds of completing the intake, the employee receives their full financial wellness report. No waiting. No advisor review. No follow-up call required.

  • Financial health score with full category breakdown
  • 9-step personalised action plan
  • W-4 withholding guidance — exact per-paycheck amounts
  • retirement forecast with three scenarios
  • Insurance and estate planning gap analysis
  • Career-specific insights tailored to their role
View a sample report →
WHAT'S IN THE REPORT
✓Financial health score (0–100)
✓9-step personalised action plan
✓W-4 & tax withholding guidance
✓retirement outlook
✓Net worth & cash flow snapshot
✓Insurance & estate planning gaps
✓Career-specific insights
Generated in under 30 seconds · Private to the employee
Financial Wellness Impact Report
Q2 2026 · Delivered quarterly
WORKFORCE FINANCIAL HEALTH
AVG HEALTH SCORE
72
Out of 100
AVG SAVINGS RATE
10.4%
Retirement contributions
RETIREMENT READINESS
ON TRACK
68%
MATCH CAPTURED
81%
AVG AGE
34
Q2 ACTIVITY (LAST 90 DAYS)
47
Reports completed
$84k
Impact identified
$1,800
Avg per employee
All figures are anonymous population-level aggregates — no individual employee data is included.
STEP 04

Employers receive a quarterly impact report.

Each quarter, employers receive a Financial Wellness Impact Report — a printable PDF showing aggregate workforce trends. No individual employee data. Ever.

Workforce Financial Health
●Avg health score
●Avg savings rate
●Avg debt-to-income
●Emergency fund coverage
Retirement Readiness
●% of employees on track
●% capturing full employer match
●Average employee age
Financial Stress Index
●% financially distressed
●% with <1 month emergency fund
●% carrying high-interest debt
Employer Match Gap
●Total annual match uncaptured ($)
●% not capturing full match
●Avg gap per affected employee
Your financial data stays yours
Employee names, salaries, account balances, and individual scores are never shared with the employer. The quarterly report contains only anonymous aggregates.
Ready to get started?

Live in 5 minutes.

Contact us today and we'll have your enrollment link ready within 24 hours. The first month is on us.

Request a demo View sample report