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Published
2.28.2025

How to Set Financial Wellness Goals for 2025

As 2025 approaches, companies are waking up to the fact that financial wellness is no longer a "nice-to-have" but a must. With 70% of employees saying financial stress affects their work, HR leaders are realizing that old-school benefits just aren’t cutting it anymore. What’s the solution? Setting clear, actionable financial wellness goals.

In this guide, we'll break down why financial wellness needs to be a priority, how to set goals that truly make a difference, and what you can do to build a program that creates a lasting impact in 2025.

Why Financial Wellness Should Be a Priority in 2025

  • Financial stress is at an all-time high: Employees distracted by money concerns are 5x more likely to be disengaged at work and 2x more likely to seek new jobs. This means that money stress is not just a personal problem, it’s a core business problem that HR teams need to address.
  • HR teams are seeing the ROI of financial wellness: Companies with financial wellness programs experience higher retention, greater benefits engagement, and increased productivity.

Step 1: Integrate Financial Wellness Into Your HR Strategy

A successful financial wellness program isn’t just a “nice-to-have” sidecar benefit of sorts—rather, it should be a foundational aspect of your HR strategy and at the core of your benefits packages. 

Consider how financial wellness supports:

  • Retention: Employees who feel financially secure are 20% more likely to stay in their current roles.
  • Productivity: Reduced financial stress means employees focus more at work and take fewer sick days.
  • Benefits utilization: Employees engage more effectively with 401(k), HSA, and FSA programs when they receive financial education and planning support.

Pro tip: Review last year’s benefits utilization data to identify financial gaps—low 401(k) participation, lack of HSA usage, or high 401(k) loan requests may indicate employees need better financial guidance.

Step 2: Define Your Financial Wellness Goals

HR leaders should establish clear, measurable financial wellness goals for 2025. 

Some examples of common goals include:

Goal Type

Example Financial Wellness Goal

Engagement

Increase financial wellness program participation by 30%.

Retention

Reduce voluntary turnover among financially stressed employees by 20%.

Utilization

Improve 401(k), HSA, and FSA participation rates by 15%.

Education

Ensure 80% of employees complete at least one financial literacy workshop.Step 3: Implement an Actionable Plan

Pro tip: Use employee surveys to identify financial stressors and build goals that address their most pressing concerns.

Once goals are set, HR teams need to build a structured financial wellness plan. Key components should include:

1. Personalized Financial Planning

  • Offer one-on-one sessions with Certified Financial Planners® to help employees navigate debt, investments, and savings goals.
  • Provide access to digital planning tools for budgeting, retirement projections, and tax optimization.

2. Targeted Financial Education

  • Host quarterly financial wellness workshops covering topics like debt management, investing, and estate planning.
  • Launch an on-demand learning portal with interactive financial content and resources.

3. Optimized Benefits Communication

  • Develop clear, engaging messaging around 401(k), HSA, and FSA benefits.
  • Create a benefits utilization campaign to encourage participation before open enrollment.

4. Measurable Outcomes & Reporting

  • Track employee participation, financial stress scores, and benefit utilization metrics.
  • Conduct pulse surveys every quarter to measure the program’s impact and make adjustments.

Next Steps: Build Your 2025 Financial Wellness Strategy

If you're seeking a structured approach, we've developed a step-by-step 2025 Financial Wellness Goal-Setting Guide that includes

  • Financial wellness assessment template
  • Pre-built goal-setting framework
  • Best practices for maximizing employee engagement

Download Now

Need help implementing a financial wellness program? Contact our team today to explore solutions tailored to your workforce!

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