Case Study: Financial Wellbeing for Frontline Workers

Financial Wellbeing for Frontline Workers is a financial wellbeing case study on supporting hourly, shift, and mobile employees who face high financial stress and limited access to guidance. It shows how 1:1 guidance from Certified Financial Planner® professionals, paired with best-in-class money management tools, helps deskless workforces build stability and the confidence to take action.

Frontline employees keep hospitals staffed, plants running, and stores open, and they carry some of the highest financial stress in the workforce. Consumer credit card debt has reached $1.2 trillion, the highest level on record, and living paycheck to paycheck spans every income level. Recent data shows 48% of people earning $100,000 and 36% of people earning $200,000 or more report living paycheck to paycheck.

This case study covers:

• Why frontline workers face compounding pressure, from tapping a 401(k) as an emergency fund to having no trusted financial expert to call
• How LearnLux builds a program designed for deskless workforces, with night and weekend planner hours, on-demand webinars, and self-serve tools that work around shift schedules
• Why the fiduciary model matters for this population: in-house Certified Financial Planner® professionals who earn no commissions and sell no products
• Real outcomes from Fifth Third Bank, The Campbell's Company, Messer Construction Co., and a large academic health system with more than 16,000 benefits-eligible employees
• Member stories showing how a webinar or Financial Checkup turns into a planner call, a concrete next step, and the confidence to take action
• How the program supports global, multinational workforces, with guidance built for each country's financial systems

For HR and benefits leaders building a financial wellbeing program that reaches every shift and every income level, this case study lays out what a fiduciary, human-guided approach looks like in practice.