WealthNest gives your employees an employer-sponsored emergency savings account — payroll-integrated and designed to reduce the financial stress that quietly drives your best people out the door.
Early cohort employers lock in founding pricing and get priority onboarding. No commitment required.
76% of employees say financial stress affects their job performance. Most employers respond with resources no one uses. The real fix is structural — and it’s simpler to offer than you think.
When a $1,200 car repair forces an employee to raid their 401(k), take a payday loan, or simply quit to find a higher-paying job — your company absorbs the full replacement cost. Emergency savings prevent this chain of events.
Financial anxiety doesn’t stay at home. It shows up in missed deadlines, poor decisions, increased absenteeism, and the quiet desperation that makes a competitor’s offer impossible to refuse. $1,900 per employee per year — every year.
HSAs require high-deductible health plans. 401(k)s are locked until 59½. Neither helps someone who needs $800 next Tuesday. WealthNest ESAs are out-of-plan savings accounts that fill the gap your workforce is already asking for.
Choose your per-employee incentive budget, customize your enrollment and milestone rewards, and connect to your existing payroll provider. No new systems. No IT project. We handle the integration.
Employees open a dedicated savings account, set up automatic split deposits from payroll, and complete a short financial wellness module to earn their enrollment bonus — all from their phone.
Your employer dashboard shows real-time enrollment, savings milestones reached, and program participation. Employees who hit $1,000 in savings earn their balance reward — and your retention metrics improve.
WealthNest is built for HR teams that want meaningful impact without adding complexity. Minimal lift on your end — measurable results for your employees.
Direct split-deposit setup connects to your existing payroll provider. Employees authorize once — contributions happen automatically every pay cycle.
Each enrolled employee gets a dedicated emergency savings account — separate from their everyday checking, visible in the WealthNest app, and accessible when a real emergency hits.
Built on the CFPB’s “Your Money, Your Goals” framework, our financial wellness module covers budgeting, debt management, credit, and savings — included for all enrolled employees.
Configure enrollment bonuses and savings milestone rewards from your per-employee budget. Incentives are paid directly to employee savings accounts — no gift cards, no workarounds.
Real-time visibility into enrollment rates, savings milestones reached, and program ROI. Share quarterly impact reports with leadership to demonstrate the benefit’s value.
WealthNest operates as a standalone, out-of-plan savings benefit. No changes to your 401(k) structure, no plan amendments, no ERISA complications — just a clean, simple benefit your legal team will appreciate.
Delta’s partnership with BlackRock and Commonwealth’s SaverLife program enrolled over 33,000 employees in employer-sponsored emergency savings — making it one of the largest ESA programs in the private sector. The results reshaped how Delta thinks about financial benefits.
Employees with emergency savings are significantly less likely to leave for a marginal pay increase, make distracted decisions, or access their 401(k) early. The data is clear: liquid savings is the foundation all other financial wellness rests on.
“Emergency savings is the financial wellness benefit that makes all other financial wellness benefits work. Without a safety net, everything else is theoretical.”
— BlackRock / Commonwealth research, ESA Program Outcomes ReportOur founding cohort is a small group of forward-thinking HR and benefits leaders who will help shape the product, lock in pricing that won’t be available at general launch, and become the case studies that prove what’s possible.
No commitment. No payment. Just priority access and a seat at the table.
Join the waitlist →Founding employers lock in a platform rate that won’t be available after general launch. Your pricing stays fixed as long as you remain a WealthNest customer.
Skip the queue. Founding employers get a dedicated launch manager who handles payroll integration, employee communications, and program configuration.
Quarterly product sessions with our team. Your use case directly influences what we build next. Features requested by founding employers ship first.
All enrolled employees get access to WealthNest’s complete financial wellness program — covering savings, budgeting, debt, and credit — at no additional cost during the founding period.
Be among the first employers with a documented ESA ROI story — co-authored with WealthNest and distributed to our growing audience of HR and benefits leaders.
The employers who offer emergency savings first will have a measurable recruiting and retention advantage — until everyone else catches up. Join the WealthNest founding cohort and make financial stress your organization’s solved problem.
We’ll be in touch within 2 business days to schedule your intro call.
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.