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the engagement gap
Why traditional employee financial wellbeing solutions fall short
U.S. employers are already investing in financial wellness solutions, but many aren’t seeing the impact they expected. Providers built around coaching-by-appointment typically see only around 5% of employees ever book a session, great for that 5%, but no plan for the other 95%. Financial benefits wait for employees who never come looking. And with 80 million deskless workers in the U.S., nurses, drivers, plant, and retail crews, are often excluded from programs.
NATIVE U.S. CONTENT, NOT A TRANSLATION
Impartial financial guidance on 401(k), 403(b) and 457 plans, HSAs, ESPPs and equity, EITC and the Saver’s Credit, PSLF and student loans, SECURE 2.0’s new student-loan-match provision, and state-specific leave programs. Built by U.S. personal finance experts.
TECHNOLOGY AND COACHING, WORKING AS ONE
AI-powered impartial guidance reaches every employee with the next best action; coaches provide extra, one-on-one support to those who need it, in one connected experience. Not a single coaching-first channel that only reaches a fraction of the workforce.
Upfront about the real cost of U.S. healthcare
High-deductible plans, HSAs, and surprise medical bills are one of the biggest financial stressors for American employees. nudge gives clear, impartial guidance for navigating healthcare costs. Financial stress is proven to impact physical health and higher healthcare utilization, so reducing it isn't just good for employees - over time it helps employers manage premium costs too.
REACHES THE DESKLESS
Mobile-first, no work email required. QR-code access, Spanish-language content, and home mailers that reach the household. Built for the nurse, the driver, and the crew member, not just the salaried desk worker.
impartial GUIDANCE, NOT ADVICE
We sit cleanly on the guidance side of the regulatory line. No fiduciary entanglement, no suitability exposure, no product sales, so Legal and Benefits teams can move fast.
STATE-BY-STATE GUIDANCE, WITHOUT THE ADMIN BURDEN
Programs like paid family and medical leave are set state by state, each with their own eligibility rules, wage-replacement formulas, and application process. A real administrative hassle for employers to track and communicate correctly. nudge gives every employee guidance specific to their state, so HR isn't the one fielding the questions.
MONEy management tools
See your number, not just the theory
Generic financial education tells employees what to think about. nudge’s money modelers let them see what it actually means for their own numbers, before they make the decision, not after.
Available money modelers:
Retirement savings
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Roth vs Traditional Contributions
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Student loan repayment
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Debt repayment
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Financial coaching that turns guidance into action
Appointment-based coaching is a static moment: you talk, then life goes on. nudge is different, we provide synchronized support. Every coaching session updates the same personalized financial action plan the employee sees inside the platform, so what’s discussed with a CFP®-qualified coach becomes a tracked next step, not a memory. The technology and the coach are working from the same plan, not two disconnected systems.
CFP®-qualified, U.S.-based coaches
Accredited financial coaching professionals, not commissioned advisors.
Every session updates the plan
Coaching recommendations sync directly into the employee’s in-platform action plan. The same plan the employee already sees and acts on, not a separate PDF, or set of notes.
numa, available 24/7
Between sessions, numa, nudge’s AI, keeps the plan moving, grounded in the same action plan.
Never incentivized to sell
No commissions, no product recommendations. Coaching stays entirely on the guidance side of the line.
case studies
Real impact for U.S. employers
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Why nudge is different
Impartial
We don't sell funds, loans, or insurance, and we don't take commission, so we can promote every benefit you offer, including your recordkeeper.
Proactive
Personalized nudges tied to real moments. Payday, open enrollment, a new tax credit, not static webinars nobody opens.
Personalized
Every employee gets guidance built around their own pay, benefits, and location, backed by the action plan and modelers above.
Localized
State-by-state retirement, healthcare, tax, and leave guidance. Built for how differently financial life works in each state. Paid leave laws alone vary, each with its own eligibility rules and benefit calculations. nudge delivers clear, relevent guidance for employees.
Experienced
Trusted by iconic American employers, at genuine enterprise scale.
why nudge
Modernizing financial health
See how leading employers use nudge to improve financial health, increase benefit utilization, and deliver measurable business value.
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Angela Inman
Benefits Manager, Endurance Direct
The nudge team was extremely helpful during implementation, walking us through the process step-by-step. And the post-implementation support has been instrumental in helping our organization promote the services nudge provides.
Angela Inman
Benefits Manager, Endurance Direct