Financial wellbeing
at work
Money is the number one cause of stress in the UK workplace. Our Money Matters Clinics are free, on-site financial wellbeing sessions for your entire team — every attendee receives free 1-2-1 financial advice and a complimentary will worth £319.
- Free for the employer — zero cost, zero admin
- 20–30 min on-site session + confidential 1-2-1 advice
- Every attendee receives a complimentary will worth £319
- FCA-regulated adviser — FCA No. 972626
What's happening across your team, right now
Drag the slider to your team size. The numbers below are based on national UK data — and they show why financial wellbeing at work matters so much.
Financial wellbeing at work, without the price tag
Financial wellbeing at work is now one of the most important workplace benefits a UK employer can offer. Money is the number one cause of stress in the UK workplace, and that worry travels straight into how your team performs, stays and feels each day.
Our Money Matters Clinics are free, on-site financial wellbeing sessions for your entire team — every attendee receives free 1-2-1 financial advice and a complimentary will worth £319. This page explains how the programme works, what it costs (nothing) and why financial wellbeing in the workplace deserves to be a priority.
What is financial wellbeing at work?
Financial wellbeing describes the state in which employees feel in control of their day-to-day finances, can absorb a financial shock and feel confident about their financial future. Financial wellbeing at work extends that idea into the workplace, recognising that money, work and wellbeing are deeply connected.
When employees feel financially secure, they are more engaged, productive and loyal. Poor financial wellbeing, by contrast, drains focus, increases stress and damages employee wellbeing across the business. Understanding this link is the first step in supporting financial wellbeing in any UK organisation.
Why should employers make employee financial wellbeing a priority?
The numbers are hard to ignore. 77% of UK employees worry about the rising cost of living, 37% of FTSE 50 staff worry about money often, and 1 in 3 don't believe they will ever be able to retire. Even in companies with generous benefits, over 95% of employees still worry about money. Treating financial wellbeing in the workplace as a priority is not just compassion — it is sound business strategy.
Worry about the cost of living
More than three-quarters of UK employees are anxious about rising costs — and 95% still worry about money even in firms with strong benefits packages.
Would stay with a supportive employer
Almost three in four employees say they would be more likely to stay with an employer who actively supports their financial wellbeing.
Return on every £1 invested
For every £1 spent on financial wellbeing, businesses see up to £5 back in reduced absence, improved retention and higher performance.
What is the impact of poor financial wellbeing?
The impact of poor financial wellbeing reaches every corner of an organisation. Employees stressed about money are 5x more likely to say personal finances distract them at work. Sickness absence is at a 15-year high — 50% higher than in 2019 — and each absence day costs roughly £120 in lost profit.
Presenteeism is just as damaging. Employees showing up but not performing costs employers the equivalent of 4–9 lost productive days per person, per year. Financial stress is closely linked to mental health, and financial concerns often spill into anxiety, sleep loss and burnout — fuelling the long-term absence behind those figures.
What are Money Matters Clinics?
Money Matters Clinics are free financial wellbeing sessions delivered on-site by Montgomery Financial. We come into your workplace and run short, interactive workshops for every employee — regardless of salary or seniority. Sessions are 20–30 minutes of plain-English presentation, followed by confidential 1-2-1 conversations.
Every attendee receives free 1-2-1 financial advice tailored to their own financial situation, plus a complimentary will worth £319. There is no cost to the business and no obligation on staff. Montgomery Financial is regulated by the Financial Conduct Authority — FCA No. 972626.
The financial topics that actually keep employees up at night
Each clinic is built around the financial topics that genuinely matter to your team. We cover mortgages, pensions, protection and wills — the complimentary will is often the first piece of financial planning many employees ever complete, and it sparks much bigger conversations about protecting their family.
Mortgages
First-time buyer, remortgage and zero-deposit schemes — explained simply, with a 1-2-1 to look at each employee's own affordability.
Pensions
How to make the workplace pension scheme work harder — tax relief, contributions and bringing old pots together.
Protection
Life cover, income protection and critical illness explained — because workplace cover alone is rarely enough for most families.
Wills & legacy
Every attendee gets a complimentary will worth £319 — often the first piece of financial planning they have ever completed.
What money worries and financial gaps do most employees feel?
From running these clinics across the UK, the same financial gaps appear again and again. These aren't abstract numbers — they are the financial concerns your employees live with every day, and they are exactly the gaps a strong financial wellbeing programme can close.
Have no will
Eight in ten UK employees have no will in place — including 63% of families with children. Our complimentary will worth £319 fixes that on day one.
Lack life or critical illness cover
Workplace cover alone is rarely enough. Almost three-quarters of employees have no private life or critical illness protection.
Don't know what pension they have
Two in five employees have no idea what's in their pension. The 1-2-1 fixes that — with a clear plan to make the workplace scheme work harder.
No emergency savings
One in three don't have three months' salary saved — and 20% of UK employees have less than £1,000 in savings at all.
How can you support your employees and improve financial wellbeing at work?
Beyond the clinic itself, supporting financial wellbeing means making it normal to talk about money at work. Train managers to spot money worries, signpost employees to trusted financial wellbeing services, and ensure mental health support is joined up with financial guidance.
A solid workplace benefit package — workplace pension scheme, life cover, income protection, savings tools — combined with ongoing financial education and access to a regulated financial adviser turns one-off help into a genuine financial wellbeing support system.
How does financial wellbeing support help employees feel financially secure?
Real outcomes from our clinics speak for themselves. After attending, the picture changes — quickly.
Put a will in place
Nine in ten attendees walk away with a will sorted — giving their family genuine security.
Added into pensions & ISAs
On average, coached employees added an extra £4,000 into pensions and ISAs — making the workplace scheme work harder.
Saved over the year
Coached employees saved an extra £6,000 on average — the difference between feeling financially exposed and financially secure.
Have a clear plan
Half of coached employees now have a financial life forecast and a clear plan for property, retirement or providing for children.
How do you build a financial wellbeing strategy?
Begin with the people. Understand your team's financial concerns, then map current benefits against those needs. A clear financial wellbeing strategy sets out the why, the what and the how — and ties into your wider health and wellbeing initiatives.
Layer the Money Matters Clinic on top as the engagement piece — the moment your team actually feels supported. Review your financial wellbeing policy each year so it keeps pace with your employees' financial circumstances.
How do you help employees struggling with money?
When someone is in financial difficulty, the first job is to make it safe to ask for help. Train managers to spot money worries, normalise conversations about finance, and ensure there is a confidential route to support your employees. Small, timely interventions often prevent much larger problems later.
Manager training
Train line managers to recognise the early signs of money worries — late advance requests, disengagement, increased absence — and respond with empathy.
Confidential routes
Give every employee a clear, confidential way to access financial guidance — without telling their manager, HR, or anyone they don't want to.
Joined-up support
Combine an FCA-regulated financial adviser, debt charity signposting, salary advance schemes and mental health support — so financial and mental wellbeing are addressed together.
What are the workplace benefits for employers who support employee wellbeing?
The business case is simple. Reduced money stress means fewer distractions, lower absence and stronger productivity. A genuinely valuable workplace benefit lifts trust and loyalty, helping you retain people in a tight UK labour market — and because Money Matters Clinics are completely free, with zero admin on your part, the whole financial wellbeing initiative pays for itself many times over.
Less absence, more output
Fewer distractions, lower absence and stronger productivity — addressing money stress at source pays back across the P&L.
Trust, loyalty and retention
A genuinely valuable workplace benefit lifts trust and loyalty — helping you retain people in a tight UK labour market.
A real point of difference
Financial wellbeing at work shows you go beyond pay and standard perks — and Money Matters Clinics cost the business absolutely nothing.
The Montgomery wellbeing promise
Free for the employer
Zero cost to set up, zero cost to run. The whole programme is genuinely free for your business.
Complimentary will worth £319
Every attendee gets a will sorted — often the first piece of financial planning they ever complete.
FCA No. 972626
Montgomery Financial is regulated by the Financial Conduct Authority. Real advice, properly governed.
Confidential 1-2-1s
Each employee gets free 1-2-1 financial advice. What's said in the room stays in the room.
20–30 minute sessions
Short, plain-English presentations — no jargon, no slide marathon, no lectures. Just useful.
Live within 2 weeks
From booking call to clinic running on-site — we handle everything. You simply open the door.
How do you book a free Money Matters Clinic in your workplace?
A free 20-minute call is all it takes, and we can have a clinic running inside your business within two weeks. We handle everything — you simply open the door. Your staff get expert support and free wills. You get happier, more engaged employees, at zero cost.
Free 20-minute call
Call 01933 829 444, email enquiries@montgomeryfs.co.uk, or book online. We'll understand your team and the right format.
We confirm a date
On-site, virtual, or hybrid — whatever works for your business. We send a simple comms pack so staff can sign up for their 1-2-1.
Clinic runs within 2 weeks
Charles delivers the session and the 1-2-1s. Every attendee leaves with free advice and their complimentary will worth £319 lined up.
Things to remember
Money Matters Clinics are free financial wellbeing at work sessions delivered on-site by Montgomery Financial.
Every employee gets free 1-2-1 financial advice and a complimentary will worth £319.
Sessions cover mortgages, pensions, protection, savings and wills — all in plain English.
80% of employees have no will, 73% lack adequate protection and 40% don't know what pension they have.
For every £1 spent on financial wellbeing, businesses see up to £5 back through better retention and performance.
Montgomery Financial is regulated by the Financial Conduct Authority (FCA No. 972626).
Zero cost, zero admin — clinics running inside your business within two weeks.
Call 01933 829 444 or email enquiries@montgomeryfs.co.uk to book.
Financial wellbeing at work, answered
Is a Money Matters Clinic really free for the employer?
Yes — genuinely free. Zero cost, zero admin. We come on-site, run the session and the 1-2-1s, and your staff receive their complimentary will. Our model relies on a small number of employees choosing to take regulated advice from us afterwards, but there is no obligation on anyone.
How does the complimentary will worth £319 work?
Every employee who attends a 1-2-1 is entitled to a will worth £319, written by our trusted partners. Mirror wills are available for couples on the same basis. There is no upsell — the will is theirs regardless of whether they take any other advice.
Is Montgomery Financial regulated?
Yes. Montgomery Financial is regulated by the Financial Conduct Authority — FCA No. 972626. The 1-2-1 advice given inside a Money Matters Clinic is regulated financial advice.
Are the 1-2-1 conversations confidential?
Completely. What's discussed in the 1-2-1 stays between the employee and the adviser. The employer never sees personal financial details.
How long does it take to set up a clinic?
From the booking call to a clinic running on-site is typically under two weeks. We handle the comms pack, the booking system for staff and all the logistics.
Can clinics be delivered virtually?
Yes. Most clients prefer on-site for the group session with virtual 1-2-1s afterwards, but fully virtual or fully on-site formats both work.
How big does my team need to be?
We work with teams from around 10 employees upwards. There is no upper limit — we will scale the session and 1-2-1 capacity to suit.
What does a typical Money Matters Clinic look like?
A 20–30 minute group session covering mortgages, pensions, protection and wills — followed by confidential 1-2-1 slots that staff book at their own discretion. Every attendee leaves with free advice and their complimentary will lined up.
Book your free Money Matters Clinic
A free 20-minute call is all it takes — we can have a clinic running inside your business within two weeks. Free advice. Free wills. Zero cost to you.
Book my free 20-minute call →