How Atlanta Employers Can Launch a Corporate Financial Wellness Program That Actually Works
👉 Want to learn how to retire without the worry of running out of money in retirement? Click here to watch this video
Why Listen to Me?
I'm Ben Loughery, Certified Financial Planner and founder of Lock Wealth. Over the past decade, I’ve worked with individuals and companies to build financial plans that turn confusion into clarity—particularly those looking for a better way to support their teams and themselves.
Investors and employers alike appreciate my approach because I focus on what really matters—not just spreadsheets, but emotional relief and sustainable strategies. I’m not here to dazzle you with jargon—I’m here to make sure your people can sleep at night.
One of the most effective tools we’ve used? A financial wellness platform called Elements—and today, I’ll show you how it’s reshaping workplaces across Metro Atlanta.
Key Point / Summary
Financial stress is eroding your team’s productivity, retention, and engagement
The Elements platform solves this with simple software, coaching, and education
Business owners no longer have to field emotional money conversations themselves
Sponsored coaching options for employees’ families creates even greater value
Why Financial Stress Is Hurting Atlanta Businesses
Small Moves, Big Impact
In one case, a $60,000-a-year employee at a healthcare office in Atlanta was planning to uproot her life for a $3,000 raise. Why? She was living paycheck to paycheck while contributing to a 401(k) with no match.
She didn’t need more money. She needed permission. She stopped the contributions temporarily, built an emergency fund, and breathed for the first time in months.
Sometimes financial wellness isn’t about complex strategies—it’s about giving people permission to take a breath.
The Emotional ROI of Financial Wellness
It’s Not Just About Dollars and Cents
We’ve found that most financial transformations don’t start with numbers—they start with a mindset shift. One employee said, “It was only a mental switch most of the time… mostly emotion.”
That’s the magic of real financial wellness. It doesn’t just improve someone's budget—it improves how they show up to work, sleep at night, and engage with their team.
The Hidden Cost of Doing Nothing
Why Employers Are Already Paying for Financial Stress
According to national data:
$500B is lost annually due to employee financial stress
$6 ROI is returned for every $1 invested in financial wellness
73% of employees would switch to an employer offering financial wellness benefits
68% would stay longer if those benefits were offered
If you're not investing in financial wellness, you're already paying for it—in burnout, turnover, and disengagement.
Elements: The Simpler Way to Support Financial Wellness
What We Offer Through Elements
Here’s what we’ve implemented for Metro Atlanta companies:
1. Software: Visual tools track employees’ savings rate, debt-to-income, and more—making progress easy to understand and act on.
2. Coaching: Unlimited access to financial coaches. Employees can ask questions about budgeting, debt, emergency funds, and other real-world issues.
3. Education: A 52-week drip campaign paired with optional live workshops and Q&A sessions.
The result? A program that’s easy to offer, effective to run, and deeply impactful.
👉 Want to learn how to retire without the worry of running out of money in retirement? Click here to watch this video
Why Business Owners in Atlanta Love This
Burnout as the Trojan Horse
You don’t need to sell retention or ROI to business owners—talk to them about burnout. That’s what they feel. That’s what they see in their team’s eyes.
Financial coaching becomes the answer to an emotional problem. And Elements allows them to offer it without becoming the therapist or the “bad guy.”
When employers say, “My employee came to me again with another financial issue,” our response is simple:
“Let us be the voice of reason—so you don’t have to be the bad guy.”
Families Are Just Small Businesses
Sponsored Coaching: A Legacy Benefit
We’re regularly asked by clients, “Can you talk to my daughter?” or “My niece just graduated college—can you help her?”
That’s not a one-off favor. That’s a clear sign of unmet financial need.
We created the Family Financial Pass—a $500/year sponsored coaching program that lets parents and employers provide personalized financial guidance to their loved ones.
It’s a legacy gift that solves a real problem.
Conclusion: This Isn’t Just About Finance—It’s About Freedom
Atlanta employers are under pressure. So are their teams. What we’ve seen firsthand is that financial clarity lifts that pressure and creates real momentum—for everyone.
Elements gives employers a turnkey benefit that:
Improves employee financial health
Reduces the emotional burden on business owners
Increases loyalty and team engagement
“I don’t have to worry about money stress showing up in Monday meetings anymore,” one Atlanta business owner told us.
And that’s the goal.
👉 Want to learn how to retire without the worry of running out of money in retirement? Click here to watch this video
FAQs
What if we already have a 401(k) advisor?
No problem. Most 401(k) advisors focus on fund lineups and compliance—not employee coaching. Elements fills the human gap by addressing budgeting, debt, and daily money decisions.
How much does this cost?
We charge on a simple Per Employee Per Month (PEPM) model. Most Atlanta-based companies fall in the $10–$15 PEPM range, depending on the service level.
What industries benefit most?
Metro Atlanta employers in healthcare, skilled trades, education, startups, law, and manufacturing all benefit from offering financial wellness.
Disclaimer: Case studies are hypothetical and do not relate to an actual client of Lock Wealth Management. Clients or potential clients should not interpret any part of the content as a guarantee of achieving similar results or satisfaction if they engage Lock Wealth Management for investment advisory services.