FINANCIAL PLANNING SERVICES

Employee Financial Wellbeing

Financial worries are the number one cause of stress for Australians. Chronic anxiety about money can trigger debilitating mental and physical health issues which can have a negative flow on effect to your business. Providing financial planning assistance can help reduce these effects for both employees and employers.

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What is employee financial wellbeing?

Employee financial wellbeing services are programs provided by a financial advisor to assist employees in managing their personal finances effectively. These services encompass various aspects of personal finance, such as budgeting, debt management, retirement planning and investment advice.

A win-win for employees and employers

Employees already under financial pressure may not have the money to seek financial planning services.  Financial wellness programs provided by employers can help fill the gap.  Financial planning helps employees reduce their stress about money and gives employers access to healthier, more productive employees.

Benefits of financial planning for employees

Financial planning benefits employees by alleviating stress and enhancing health. Access to financial advice and support through work helps employees take control of their finances and gives them confidence in their future.  This provides a range of health benefits including reduced stress, improved mental health, better sleep and happier relationships.

Benefits of financial planning for employers

Implementing financial planning as an employee benefit results in a happier, healthier, and more productive workforce. However, the advantages extend beyond these benefits. Employers gain a competitive edge in attracting top talent, increase staff retention rates, decrease absenteeism, enhance presenteeism, improve engagement and coworker relationships, and ultimately boost morale and job satisfaction by showing they care.

Financial Spectrum’s employee wellbeing solutions

Financial Spectrum provides tailored employee financial wellbeing programs based on your employee and business’ needs.   From small businesses to large corporates, we have solutions for every organisation interested in making financial advice and education a part of their employee benefits offerings.

We don’t offer our services for free and try to “sell” to your employees.  We charge a fee for our time to ensure your employees receive uncompromised advice on topics such as budgeting, debt reduction, investing, retirement planning, tax strategies, and estate planning.

How we work with you

We tailor our services to meet the specific needs and goals of your business and its employees. Depending on your budget and whether you have a diverse workforce with varying financial backgrounds or specific financial concerns to address, our services can be customised accordingly.

Employee financial wellbeing services we can offer include:

  • Work with employers to create custom packages for employees
  • Provide financial coaching consultations to support employees experiencing financial stress (similar to EAP)
  • Deliver money management workshops, such as budgeting and cash flow management, debt reduction strategies, making the most of super and where to start investing
  • Provide financial planning services as a packaged benefit or performance reward

We offer our services both in-person and virtually to accommodate your business’s preferences and the needs of your employees. Virtual workshops and consultations provide flexibility for remote or dispersed teams, while in-person sessions offer a personalised touch for those who prefer face-to-face interactions.

Employee confidentiality is of utmost importance. As financial advisors, we adhere to strict privacy standards and ethical guidelines. All personal financial information discussed during consultations or workshops is kept strictly confidential, maintaining the trust and privacy of your employees.

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Results

After choosing Financial Spectrum as my financial adviser I have a better understanding of my financial situation. Their expertise and industry knowledge have equipped me to develop clear goals and a step-by-step plan to achieve them. It was daunting with the complexities of my trust and company structure, but Financial...
Jake, NSW
I was referred to Financial Spectrum by my long term accountant. We knew that we needed to get strategic help and to put some structure to our finances. Financial Spectrum collaborated with us to develop well-defined goals and a financial strategy to match. The Financial Spectrum team is extremely knowledgeable,...
Richard, Sydney
I have been extremely happy with the service Financial Spectrum has provided. I would gladly recommend them to anyone wanting a truly talented group of financial planners on their side.
Sam, NSW
Brenton Tong from Financial Spectrum is one of the most passionate of financial planners I have met through my accounting network. Brenton’s knowledge on markets, property, superannuation and the world economy is amazing which gives me the greatest confidence in referring my client to Brenton for wealth creation strategy and...
Rozalin, Sydney
Brenton, Julie, Thomas and his team of experts have been my advisors for 3 years through both the growth of my business and how that relates to my personal financial position. I cannot recommend them enough. Brenton is a great listener and very creative thinker and has a way of...
Leigh, Sydney
We were referred to a financial planner at Financial Spectrum by a friend of ours. We are so glad that we contacted them. We can honestly say that booking that first appointment was a turning point in our lives.
Patrick and Louise, Sydney

Results

If you want a knowledgeable and honest financial advisor you can trust, I recommend you talk to Brenton Tong of Financial Spectrum. About four years ago when I was considering retiring I needed someone to review our financial situation and tell me if we had enough funds to retire. I...
Terry, Sydney
I have been extremely happy with the service Financial Spectrum has provided. I would gladly recommend them to anyone wanting a truly talented group of financial planners on their side.
Sam, NSW
I was referred to Financial Spectrum by my long term accountant. We knew that we needed to get strategic help and to put some structure to our finances. Financial Spectrum collaborated with us to develop well-defined goals and a financial strategy to match. The Financial Spectrum team is extremely knowledgeable,...
Richard, Sydney
Brenton and the team at Financial Spectrum are genuine honest and friendly financial planners if you're in need of any advice on your finances.  Do not hesitate to contact Brenton. He takes the time to ask you questions first, rather than rushing you like most other planners do!  I took...
KD, Sydney
I have really enjoyed working with Brenton and the Financial Spectrum team. Meeting with Brenton has provided us with value that spans well beyond just purchasing an insurance product. He has provided fantastic guidance in our wealth building journey and has been a great contribution to both my partner and...
Nicole, Sydney
If you require any guidance or assistance with your finances, do not hesitate to reach out to Financial Spectrum. Greg and the team at Financial Spectrum are a group of authentic, sincere, and friendly financial planners. He prioritises getting to know you by asking the right questions without being in...
Grace, Sydney

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Frequently asked questions

Organisations need to ensure their employees receive uncompromised advice that is right for their individual needs.  Partner with a financial planning company that does not accept commissions and that charges a fee for their service or time instead.  Also avoid any financial planning companies or solutions that rely on cookie-cutter, computer-generated strategies that provide generic advice employees could access on their own.

Employee financial wellbeing services are designed to cater to employees at various ages and career stages – from entry-level to senior positions. Whether employees are just starting to earn income and manage their finances or are nearing retirement, services can be tailored to specific needs.

While there is an initial investment involved, financial wellbeing services are likely to deliver a high return on investment for organisations. Financially stable employees are more likely to stay with your business, leading to reduced turnover and associated hiring costs. Additionally, the improved productivity and morale can positively impact your company’s overall performance.

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We’re so confident about creating value for you quickly, that we guarantee it with a 100% money-back guarantee.

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