Millions of UK employees experience financial stress, feel
unprepared for retirement, and lack confidence managing
savings, debt, and long-term planning. While progress has
been made in pensions and schools-based education,
financial capability among working-age adults remains
uneven and deeply unequal.
This white paper sets out the case for embedding financial
education as a standard workplace provision, drawing on UK
and international evidence to propose a proportionate,
practical policy framework.
Workforce financial fragility: The scale and impact of financial insecurity among UK employees.
Why employers matter: The workplace as a trusted point for financial education.
International evidence: What other countries show about effective delivery.
A phased approach: Starting with employers of 250+ to enable practical implementation and evaluation.
The paper is intended to contribute constructively to ongoing conversations around financial
inclusion, workplace wellbeing, and long-term economic resilience.
Evidence-led
We draw on independent research, national data, and lived workplace experience to inform our analysis.
Practical by design
We focus on solutions that are realistic to implement, proportionate, and aligned with existing systems and strategies.
Independent and inclusive
We promote financial education that is
accessible, impartial, and focused on empowering individuals, not selling products or providing regulated advice.
If you are interested in discussing our policy and research work, or exploring collaboration, please get in touch:
