CFW

Benefits To Your Business

At Carval Financial Wellness, we partner with organizations to build trust and support employees in their financial journeys. Our judgment-free programs offer clear education and compassionate guidance, helping your workforce gain confidence and long-term financial well-being. Because financial wellness isn’t just about money - it’s about empowering people to live with clarity, stability and purpose.

Empowering your workforce with financial confidence - boosting productivity, retention, and well-being

Why Work with a Financial Wellness Consultant?

Financial stress is the #1 workplace productivity killer. According to PwC, 60% of employees feel stressed about their finances, making it a leading driver of absenteeism and decreased performance.
Lost time adds up quickly. Stressed employees spend an average of 156 work hours each year—equivalent to 20 full workdays—worrying about money instead of focusing on their jobs, resulting in lower engagement and higher turnover.
The cost to employers is staggering. Companies lose an estimated $3,900 per employee annually due to financial stress–related productivity losses, compounded by higher healthcare claims and retention costs—totaling tens to hundreds of billions across U.S. businesses every year.

What Solutions Can a Financial Wellness Consultant Offer Employers?

We empower employees to take control of their finances through education, one-on-one coaching, and practical tools—delivering measurable business results for your organization:

Reduced Stress & Improved Mental Health

Lower stress levels translate to fewer sick days, reduced healthcare costs, and healthier, more resilient teams.

Increased Productivity & Focus

Employees spend less time worrying about money and more time contributing to your bottom line.

Better Retention & Recruitment

Offering financial wellness benefits improves employee loyalty and attracts top talent—saving you the high costs of turnover and hiring.

Stronger Company Culture

Demonstrates authentic care for employees, fostering engagement, trust, and long-term commitment.

Help your HR Team

We manage all aspects of financial wellness programming, freeing HR leaders to focus on strategic initiatives.

Customized, Scalable Programs

Tailored solutions designed to fit your workforce, with measurable outcomes that prove ROI at every stage of growth.

Why choose Carval Financial Wellness?

Small Business Focus. Unlike many corporate-focused providers, we specialize in working with small- to midsized companies — offering flexible, affordable solutions that integrate into their existing benefits structure.
Personalized + Scalable Services. Our hybrid model combines live coaching with online tools and workshops, meeting employees where they are — whether they're facing debt, budgeting challenges, or planning for homeownership.
Non-Judgmental Approach. We provide confidential, compassionate support, which helps build trust and encourages true behavior change, not just financial literacy.
Bilingual, Culturally Competent Coaching. We serve a diverse workforce, including Spanish-speaking employees, with tailored, empathetic guidance that respects cultural nuances and financial behaviors.

Schedule a Call to Learn About Our Employer Packages