The Financial Freedom Workplace Program. An 8 week live cohort that turns financial stress into financial capability, delivered by an operator who spent two decades inside financial services and healthcare.
92 NPS. 4.78 out of 5 facilitator rating.
PwC's 2026 Employee Financial Wellness Survey of roughly 3,500 US employees found:
Financially stressed employees are five times more likely to be distracted on the job, and typically lose more than three work hours a week to money concerns. Financial stress is degrading mental health for 74 percent, sleep for 74 percent, self-esteem for 67 percent, and physical health for 65 percent.
Source: PwC 2026 Employee Financial Wellness Survey.
Read those last two lines again as an operations problem rather than a wellness problem. Distraction becomes error rate. Sleep becomes safety incidents. Health becomes claims cost. Stress becomes attrition, and attrition becomes recruiting spend.
You are already paying for employee financial stress. The only open question is whether you spend anything to reduce it.
Most financial wellness spend goes to platforms. Platforms are useful and they are also mostly unopened. Login rates are the industry's quiet embarrassment.
This program is live, cohort based, and facilitated. People show up because other people are showing up. They do the work because they are known by name. They change behavior because someone with real operating credibility is in the room asking what they did with last week's assignment.
| The typical financial wellness benefit | The Financial Freedom Workplace Program |
|---|---|
| Self serve app or portal | Live facilitated cohort, 8 weeks |
| Measured by enrollment | Measured by completion, behavior change, and NPS |
| Generic national content | Tailored to your workforce, industry, and benefits plan |
| Delivered by content marketers | Delivered by a 20 year financial services and healthcare operator |
| Engagement drops after week two | 92 NPS at completion |
| Week | Session | Employee walks out with |
|---|---|---|
| 1 | Money Truth | A real picture of where every dollar currently goes |
| 2 | The Hold On Fund | A funded, automated emergency buffer plan |
| 3 | Debt With a Strategy | A written payoff sequence and a stop-the-bleeding rule |
| 4 | Your Benefits, Decoded | Actual use of the 401k, HSA, FSA, and insurance they already pay for |
| 5 | Investing Without Fear | First investment made or contribution rate increased |
| 6 | Protect the Downside | Layoff response plan, coverage gaps closed, MOOP understood |
| 7 | Income Offense | A concrete plan to raise income through negotiation, skills, or a second line |
| 8 | The Next 12 Months | A personal financial operating plan with dates on it |
Najma Zanelli spent 20 years at JP Morgan Chase, Citigroup, and Humana before founding NAZ Global Consultancy. She has run Medicare Advantage operations, New York State managed care compliance, and provider data at enterprise scale. She is a Certified Money Coach and Certified Life Coach.
She is not a motivational speaker who read a book about finance. She is a finance and healthcare operator who learned to teach.
Thirty minutes. Tell me your population, your turnover number, and your benefits participation rate, and I will tell you what this program can realistically move.