91% of employers say financial stress reduces focus at work.
You Need a Benefit That
Helps Employees Show
Up Without Money Stress
But a benefit only works if your people actually use it.
Employee Participation, Guaranteed
SmartDollar promises successful, turnkey implementation with guaranteed employee participation.
Real numbers. In writing.
How? We’ve onboarded thousands of companies across every type of industry, and we know what works. You’ll get the tools, assets and strategies to plug financial wellness right into your total rewards strategy.
When Employees Are Stressed About Money, HR Feels the Pressure
83% say financial stress hurts team morale.
77% say it contributes to absenteeism.
Manage Your Company’s SmartDollar Experience With SmartCenter
Everything you need to make an impact is all in one place.
With SmartCenter You Can:
Track engagement, participation, and financial progress.
Keep eligibility files up-to-date automatically with scheduled file transfers.
Integrate SmartDollar into your HRIS without a complicated onboarding process.
Share results and impact with automated reports.
Resources Center
Get the promotional materials you need to drive employee engagement.
Email templates, posters, flyers and intranet posts
Direct mail invites for spouses
Motivational videos, testimonials and webinars
Monthly content calendar
Custom communication plans
Training and talking points for leaders
SmartDollar-sponsored giveaways
Meet Your Dedicated SmartDollar Relationship Manager
Coordinate launch plans with your relationship manager. They’ll guide you through the implementation and stick with you for the long haul, not just the first 90 days.
Leadership Training
Learn how to build financial wellness into your company culture.
Regular Check-Ins
Track progress and get clear next steps for driving engagement.
Best Practices
Use proven strategies that have worked for 2,000+ companies.
Employee Webinars
Employees get a clear walk-through of the program, building awareness and participation.
Security You Can Trust
Financial information stays confidential and private, and SOC 2 Type II certification proves it.
Frequently Asked Questions
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What is a financial wellness program, and what should it include?
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A financial wellness program is an employer-sponsored benefit that helps employees take control of their money. But not every program actually helps employees. A lot of them give people articles and a budget calculator and stop there. The ones that work give employees a proven plan to follow, a real person to talk to, and tools they'll actually use. SmartDollar is built on Dave Ramsey's 7 Baby Steps and includes unlimited one-on-one coaching and EveryDollar budgeting. The SmartCenter dashboard lets you see your employees’ total progress.
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What participation rate should we expect, and how do you get employees to use it?
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Most financial wellness benefits get offered and forgotten. SmartDollar is built to get used. Engagement doesn't happen by accident. Your relationship manager builds a launch plan and year-round communications with co-branded materials to keep you on track to hit your performance goals.
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Is a financial wellness benefit taxable for employees?
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Your company pays for SmartDollar, and no cost is ever passed on to your employees.
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Does SmartDollar give investment advice? Does it create fiduciary or ERISA risk for us?
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SmartDollar teaches employees how investing works and when they're ready to start as they walk through the 7 Baby Steps. It helps people get out of debt and start saving—so they're ready to take full advantage of the 401(k) you already offer.
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Does SmartDollar support SECURE 2.0 emergency savings or student loan matching?
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No. SmartDollar isn’t a SECURE 2.0 emergency savings or student loan matching program. But it does help employees build the habits that make those benefits valuable.