Launching 2026

The benefit that turns
financial stress into
financial resilience.

WealthNest Finance gives employers an employer-sponsored emergency savings account and a structured financial wellness program — in one platform, connected directly to payroll.

Get the free employer guide →Preview financial wellness →
Out-of-plan ESA option
Dedicated employee savings accounts
Financial wellness program
Direct payroll integration
Zero cost to employees
Research cited
EBRIFederal ReserveVestwellBlackRockVoya FinancialMercerMorgan Stanley
53%of Americans can't cover a $1,000 emergency — those are your employees, distracted at their desksBankrate
77%of employers are planning to offer an ESA benefit within two years — the window is closingEBRI
13×more likely to take a 401(k) hardship withdrawal without access to emergency savingsVoya Financial 2021
23%of Delta program completers increased their 401(k) contribution after building an emergency fundPLANSPONSOR / Delta 2023
The platform

Two products.
One mission.

WealthNest Finance addresses financial stress at both ends — the immediate (emergency savings) and the long-term (financial knowledge and habits).

For employers

⏳ Launching 2026 — Join waitlist
🏦

Emergency Savings
Account (ESA)

An employer-sponsored savings account funded directly from payroll. Zero-friction setup. Your employees build a financial cushion — and stop raiding their 401(k).

Out-of-plan ESA option — consult qualified counsel on plan structure
Payroll-direct contributions (ADP, Gusto, Rippling, Paychex, Workday)
CFO-ready ROI framework — quantified turnover and productivity savings
Vendor-agnostic evaluation guide included free
Join the waitlist →

For employees

📚

Financial Wellness
Program

A personalized financial wellness platform with six modules and interactive tools. Employees take a 4-question assessment and get a custom learning path based on their situation.

6 modules: Goals, Savings, Budgeting, Debt, Credit, Protection
Interactive calculators: emergency fund, budget planner, debt payoff
Evidence-based financial wellness curriculum
Preview the wellness module →
How it works

Simple to deploy.
Powerful by design.

01
📅

Schedule a Consultation

WealthNest consults with you to build your program using your existing payroll provider — ADP, Gusto, Rippling, Paychex, Workday, etc. Our white-glove service ensures a successful setup.

02
📢

Enroll your employees

Employees sign up and choose their per-paycheck contribution — as little as $5. They access the financial wellness module immediately, guided by a personalized learning path.

03
📈

Watch the results

Lower turnover. Fewer 401(k) hardship withdrawals. Improved productivity. A workforce that's financially stable and engaged — with data to prove the ROI to your CFO.

Free employer resource

The 2026 Employer Playbook for Emergency Savings.

18 pages. 7 chapters. 19 cited sources. Everything your HR or benefits team needs to evaluate, justify, and implement an ESA benefit this year — including a CFO-ready ROI framework and case studies from Delta Airlines and Starbucks.

18Pages
7Chapters
19Sources
FreeAlways
Download free guide →
01The state of employee financial stress — 2026 data
02SECURE 2.0 decoded — PLESA & the $1K provision
03ESA options compared — in-plan vs. out-of-plan matrix
04What employees actually want — participation data
05Building the CFO business case — 3-scenario ROI model
06Vendor evaluation — 8 questions before you commit
07Case studies — Delta Airlines & Starbucks results
Employee experience

A learning platform employees actually use.

A structured six-module financial wellness curriculum. Employees answer 4 questions and get a personalized learning path — with interactive tools and an AI financial education assistant available anytime.

Preview the module →
🏦

Emergency Savings

Build your financial cushion · 30 min

ESA Connected
🎯

Setting Financial Goals

SMART goal framework · 25 min

Start Here
📊

Budgeting & Cash Flow

Monthly planner tool · 35 min

Module 3
💳

Managing Debt

Avalanche & snowball · 40 min

Module 4
📈

Understanding Credit

Score builder · 35 min

Module 5
🛡️

Protecting Your Money

Scam & identity protection · 25 min

Module 6
Real-world results

What employers see when they actually implement this.

Public research — illustrative case studies. Not WealthNest customers.

Delta Airlines

33,000+ participants · employer-matched ESA program

23%of program completers increased their 401(k) contribution rate
33K+participants enrolled across hourly and salaried workforce
↓Measurable reduction in 401(k) hardship withdrawal rates

PLANSPONSOR / Delta ESG Hub 2023

Starbucks

Financial wellness embedded across store partner workforce

Highvoluntary enrollment among hourly baristas — typically hard to engage
↑Financial wellness self-assessments among program participants
↓Turnover intent among employees engaged with financial wellness

Morgan Stanley / Starbucks Global Social Impact Report

Get started today

Ready to offer a benefit your employees actually need?

Start with the free employer guide — 18 pages covering everything from SECURE 2.0 to vendor selection, ready to share with your CFO.

Download the free guide →Talk to us
Research cited
EBRIFederal ReserveVestwellBlackRock / CommonwealthVoya FinancialMercerMorgan StanleyBankrate

This page and all WealthNest content are for informational purposes only and do not constitute financial, legal, investment, or tax advice. Statistics are drawn from third-party sources as cited; WealthNest Finance makes no representation as to their ongoing accuracy. SECURE Act 2.0 references reflect provisions current as of January 2026 and are not legal or regulatory compliance advice — consult qualified counsel before implementation. ROI figures are illustrative models, not guarantees of outcomes. TFCrabtree LLC (dba WealthNest Finance) is not affiliated with any government agency or regulatory body. Savings and deposit services described in WealthNest's forthcoming product will be provided through a regulated partner institution; details will be disclosed prior to launch. WealthNest Finance is a pre-launch company; no financial product is currently available for enrollment.