Financial Coaching & Guidance

Practical, confidential support when money feels difficult or unclear

Employees do not always need formal financial advice.

Sometimes they need a confidential space to understand what is happening, make sense of their options and decide what to do next.

Money Beam provides one-to-one financial coaching and guidance to help employees deal with financial pressure, improve confidence and take practical steps forward.

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Support shaped around the individual

Financial concerns can vary widely. The focus is practical, respectful and non-judgemental.

Day-to-day money

Budgeting and managing day-to-day money.

Debt and financial pressure

Space to talk through debt and financial pressure.

Priorities and options

Understanding what matters most and what options may be available.

Planning for change

Preparing for expected or unexpected changes.

Financial confidence

Building confidence to take practical next steps.

Benefits, support and specialist help

Making sense of workplace support and knowing where to go for specialist or regulated help.

Confidential support employees can use

Financial coaching and guidance can be delivered:

  • Online one-to-one

  • Onsite

  • Through dedicated financial wellbeing clinics

  • As part of a wider workplace financial wellbeing programme

This gives organisations flexibility while giving employees direct access to support.

Helping people take the next step

The aim is not to tell people what to do.
It is to help them understand their situation more clearly, explore their options and feel more confident about the next step.
Where appropriate, employees can also be signposted to specialist debt advice, regulated financial advice or other relevant services.

Earlier support can help prevent problems escalating

Financial pressure can become more difficult when people delay seeking help.
Confidential coaching and guidance can give employees access to support earlier - before financial difficulties become more serious or begin to have a greater impact on wellbeing, attendance or work.

Supporting your wider financial wellbeing approach

Financial coaching and guidance can work alongside:

Financial Wellbeing First Aiders

Support for trusted workplace roles who recognise concerns and guide employees towards appropriate help.

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Benefits, EAPs and reward

Individual support that complements your employee benefits, assistance provision, pensions and reward support.

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Financial education

A practical next step when general information alone is not enough.

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External and specialist support

Clearer routes into relevant debt, money and specialist services.

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Financial guidance - not regulated financial advice

Money Beam financial coaching and guidance is designed to provide information, guidance, support and practical help.
It does not provide regulated financial advice or recommend regulated financial products.
Where regulated advice is needed, employees can be directed towards an appropriate regulated provider.

Give employees somewhere to turn

Provide confidential, practical financial support when employees need it.