WealthNest’s out-of-plan ESA pays employers back through retention and pays employees through their paycheck. We hand you everything you need to bring this to your book — pitch deck, ROI calculator, employee guide, and a co-branded portal.
If you sell benefits in the mid-market, your clients are asking questions you don’t yet have a clean answer to. WealthNest is the answer to all three.
Six in ten HR leaders cite financial stress as their #1 employee wellbeing concern. Health insurance, 401(k), and EAP don’t address the day-to-day cash anxiety that drives turnover.
EBRI / Mercer / Voya 2024-2025In-plan PLESA is real but rarely the right answer for mid-market: capped at $2,500, requires plan amendment, and constrained by recordkeeper timelines. Most clients can’t enable PLESA tomorrow — but they can launch our out-of-plan ESA in 60-90 days.
SECURE 2.0 § 127, 2026Health, dental, vision, life, 401(k) — standard. ESA-as-a-payroll-benefit is a category your competitors haven’t claimed. It’s also pay-for-performance: employers only pay incentives when employees earn them.
Pay-for-performance ESA modelYou stay the relationship owner. We provide the domain expertise, the materials, and the consultation support.
We walk you through the product, the pitch, and the commercial terms. You leave knowing exactly when WealthNest fits and when it doesn’t.
Pitch deck, ROI calculator, employee guide with case studies — all branded with your firm’s logo, ready for client conversations.
You introduce WealthNest as part of your benefits review. We give you a one-pager and a 5-minute pitch you can deliver yourself.
When a client wants to dig deeper, we join the call. You stay the relationship owner; we own the technical answers.
When the employer signs, WealthNest implements. You’re compensated per signed employer business — commercial terms covered in the partner conversation.
The 18-page WealthNest 2026 employer guide, with your firm’s logo. Hand it to clients in their first benefits-review meeting.
The same calculator employers use, embeddable on your client portal. Lets you run the numbers live in the meeting.
A WealthNest specialist joins your client consultations whenever you want. Domain expertise, no extra cost to you.
Quarterly partner webinars, joint LinkedIn content, and shared client success stories — with your firm front-and-center.
Slack, email, or calendar — you get a named WealthNest contact. No round-robin support queue.
Compensation is aligned with signed employer business. No fee for referrals that don’t convert. Full terms covered in the partner conversation.
When a client asks about emergency savings, you should walk in already knowing the answer. Here’s what we’ve built so you can.
If your question isn’t here, it’ll come up in the partner conversation. We don’t dodge any of them.
No. WealthNest is an out-of-plan emergency savings account benefit — it sits outside your client’s retirement plan. We can also discuss in-plan PLESA options if your client has an existing 401(k); the consultation is product-agnostic and many clients run both.
Two components, full transparency in the consultation:
Platform fee: $5 per employee per month, billed monthly. Covers dashboards, financial education, automated verification, and admin tools.
Lifetime per-employee budget: Employer chooses (typical default $1,000), paid only when employees earn it — pay-for-performance, not a flat liability.
Compensation is aligned with signed employer business. No fee for referrals that don’t convert. Specific terms are covered in the partner conversation — we keep them off the public page so we can match the structure to your firm’s typical commission cadence.
No. ESA is out-of-plan and complementary to retirement. We don’t touch the recordkeeper, the trustee, or the plan documents. If anything, employees who build emergency savings are less likely to take 401(k) loans — better for the plan, better for plan sponsor optics.
Materially less than in-plan PLESA. Out-of-plan ESA doesn’t sit inside the retirement plan, so the employer’s plan fiduciary obligations are unchanged. The savings account itself is opened by the employee at a regulated partner institution; WealthNest is the platform layer, not a bank. We always recommend clients consult qualified counsel before launch.
We help them evaluate that path too. Our consultation walks through both out-of-plan and in-plan options. PLESA is a real fit for some clients — especially those with a recordkeeper that’s already enabled it. We tell you straight when WealthNest isn’t the right answer.
Co-branded today — your logo on the employer guide, the ROI calculator, and the pitch materials. Full white-label is a roadmap conversation; if your firm has scale to justify it, we’ll talk.
A named WealthNest specialist with Slack, email, and calendar access. We join your client consultations whenever you want. Quarterly partner webinars, joint LinkedIn content, and shared client success stories — with your firm front-and-center.
The first five brokers to sign on as charter partners get preferred commercial terms, named-reference status in our investor materials, and direct input into the product roadmap. Book a 30-minute partner conversation — no obligation.
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.