2. •Financial Counselling Ltd
•Financial Literacy
Consultants (specialized in
employee financial
wellness)
•History dates from 1999

5.  Supportive Social Framework
 Retreat to Rural Homes an Option
 Easy Credit Not Available
 Lifelong Employment Commonplace
 Pension Plans Provided Assured Retirement
Income

6.  Nuclear Family Centered Culture
 Unpredictable Tenure of Employment
 Rural Retreat Not an Option
 High Cost of Living, Easy Credit Available
 Retirement Security Depends On Worker
 No Financial Literacy Education

7.  28 percent of employees are seriously financially
distressed and dissatisfied with their finances
 Another 44 percent live under constant financial
pressure

8. Big Point
“Financially unwell employees
do not make the best decisions
for themselves… or their
employers”
Passive
Anxious
Not
Engaged
Confused

9.  Absenteeism & Tardiness
 Demands For Salary Advances
 Demands For Salary Increases
 Increased Insurance Premiums
 Loss and Misuse of Your property
 Tarnishing of your Name through Criminal
activity

10.  Higher Employee Turnover
 Low Morale
 Loss of Customers
 Increased Job Stress
 Increased Abuse of Alcohol
 The List Goes On …………..

11.  Increased Productivity
 Reduced Absenteeism
 Reduced HR Costs
 Reduced Stress
 Reduced Insurance Premiums
Motivated
Aware
Confident
Active

12.  Improved Appreciation of Salary and Benefits
 Increased Morale, Job Satisfaction and Loyalty to
Employer
 Lower Employee Turnover
 Increased Number of Happy, Financially Secure
Retirees

13.  Is Real Education, Not a Sales Pitch
 Helps improve the Financial Health of Employees
 Has a Proven Fifteen Year Track Record
 Results in a Positive Return on Your Investment

15. And The loses Continue Unabated

16.  Financially Illiterate Employees do
not manage their Finances Well and
they do not save and invest enough
for a financially secure retirement
 It is in the employer’s best interest –
more profit- to provide their
employees access to quality financial
education

17.  We are the pioneers in financial education
 We provide both live and e-learning training
options
 We are unbiased and do not sell financial
products
 We are qualified and internationally recognized
financial educators
 Long experience in improving employee
financial behavior & productivity

18.  We would like to know how we can add value to
you. Please get in touch and let’s talk.
 manyara@financial-counselling.com