For Business & Organizations

Financial Wellness,
Built for Organizations

A structured system to improve financial outcomes across your employees, clients, and members — not a one-time webinar, not a content library. A platform people actually use.

From a 20-person employer to a national bank, Financial Fitness Passport™ scales to your organization with fast implementation and no IT burden.

Find Your Segment Schedule a Call

What Makes This Different

Most financial wellness offerings are passive. This one drives measurable, ongoing behavior change.

Behavior-Based System

Users build a structured financial passport across 8 modules — cash flow, debt, insurance, investing, retirement, and more. Progress is tracked and scored.

Ongoing Engagement

Penny™ AI keeps users returning week after week. Not a one-time session. Not a video series. A daily financial companion that adapts to each user.

Gamified Progression

Bronze → Silver → Platinum passport levels create intrinsic motivation. Users earn milestones. Organizations see measurable wellness score improvements.

Measurable Outcomes

Aggregate dashboards show participation, module completion, and score trends — giving HR leaders and firm managers real data, not anecdotes.

Why Financial Fitness Passport vs Others

Every organization already has something — an EAP, a benefits portal, a robo-advisor. Here is why FFP is different:

A structured system
Not content or a library
Ongoing daily engagement
Not a one-time webinar
Behavior-driven progression
Not passive financial education
Action and accountability built in
Not a tool users open once
Measurable aggregate outcomes
Not anecdotal satisfaction scores
Easy to Implement

Up and running in 1–2 weeks

1
We handle setup
No IT work required. We configure your account, set up your invite link, and provide a full launch kit.
2
Your team gets access
Employees, clients, or members sign up via invite link — on any device, no app store required for web access.
3
Track measurable progress
Your dashboard shows aggregate participation and wellness score trends from day one.
No integration required · Works alongside existing benefits tools · Priced per seat per month

What Employees, Clients & Members Experience

Every user builds a personalized Financial Passport™ — a living score across 8 modules that tracks real progress over time.

1
Complete their financial profile
Users set up cash flow, debt, insurance, investing, and retirement in a guided onboarding. No spreadsheet, no advisor required.
2
Get a Passport Score
A single number from 0–100 reflects their overall financial health — broken into eight module-level scores with Bronze, Silver, and Platinum levels.
3
Work with Penny™ AI
Penny coaches users toward their next milestone, answers questions in plain language, and celebrates every win along the way.
4
Track progress over time
As their situation improves, scores update. Each check-in shows movement — creating the habit loop that makes this work.
Financial Passport™ Dashboard
AI-Powered
78Score
Passport Score
Strong
↑ 6 pts this quarter
Cash Flow
Platinum 💎
Emergency Fund
Silver 🥈
Debt Freedom
Gold 🥇
Insurance
Bronze 🥉
Investing
Silver 🥈
Retirement
Bronze 🥉
PennyPenny™ AI
“Great progress! Your next milestone is Platinum Cash Flow — you're 80% there.”
Designed by financial planning professionals
The module structure, scoring system, and Penny AI responses were built with practicing financial planners — not engineers guessing at what matters.

Choose Your Organization Type

Each segment has a dedicated page with pricing guidance, implementation details, and a direct contact form.

For Employers

Give Every Employee Financial Peace of Mind

Seat-based employee financial wellness benefit. HR dashboard, Penny AI coaching, and aggregate reporting — with zero employee financial data visible to employers.

  • Onboard in 1–2 weeks
  • HR reporting dashboard
  • Small to enterprise plans
  • Penny AI available 24/7
Request a Demo
For Advisors

Turn Prospects Into Clients with Financial Clarity

Share a personalized invite link. Prospects build their financial passport. You walk into every meeting already knowing their complete picture.

  • Personalized advisor invite links
  • Complete client financial view
  • Penny refers advice to you
  • Consent-based data sharing
Request a Demo
For RIAs

Scale Client Engagement Across Your Entire Firm

Firm-level deployment with centralized management, per-advisor dashboards, activity logging, and compliance visibility designed for RIA oversight needs.

  • Multi-advisor firm management
  • Firm branding available
  • Compliance visibility tools
  • Client consent-based access
Request a Demo
For Broker-Dealers

Give Your Reps a Prospecting Edge

Every rep at your firm gets a client engagement tool built for prospecting — backed by centralized oversight and compliance-minded architecture.

  • Rep-level invite links
  • Firm-wide management
  • Oversight and reporting
  • Enterprise agreements available
Request a Demo
For Banks

Turn Your Bank Into a Financial Wellness Partner

Reduce churn, deepen relationships, and create natural cross-sell conversations by giving customers a complete financial wellness platform branded to your institution.

  • Co-branded experience
  • Customer financial health data
  • Penny refers to your bankers
  • Pilot and enterprise programs
Schedule a Call
For Credit Unions

Deliver on Your Member-First Mission Every Day

Give members an AI-powered financial wellness platform that aligns with your credit union's mission — and keeps them engaged between branch visits.

  • Mission-aligned positioning
  • Member financial wellness
  • Penny AI coaching 24/7
  • Community bank scale pricing
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Not Sure Which Fits Your Organization?

Tell us about your organization — size, type, and goal — and we will point you to the right program and pricing tier.

Schedule a Call

No commitment required. We respond within one business day.