Financial Freedom for Smarter Workforce Contribute towards your team’s financial well-being which goes beyond giving salaries; connect with us to co-create a Financial Freedom Program for your organization. 1. What is Personal financial wellness – A definition Financial wellness (or financial wellbeing) refers to a person’s overall financial health and the absence of money-related stress. 2. What is Employee Financial Wellness program Employee financial wellness programs are programs run by employers that help employees (better) plan & manage their finances and reduce financial worries. As such, they contribute to a better overall financial wellbeing for employees.Employees, in turn, contribute more to employer due to increased productivity, reduced absenteeism, enhanced loyalty. Enabling Your Workforce Personalized Attention Help employees achieve their financial goals with our unwavering support. On-demand mobile and email consultations for all staff guarantees that every financial query is answered in a way that leaves them more informed and empowered. Facilitating A Change 1. Our goal is to provide working professionals with the financial knowledge and tools they need to be stress-free, financially, and allows them to be more productive at work. With onsite consultations and richness workshops, we can help drive a significant change in organisational efficiency. 2. Unprecedented Expertise We have worked with over 9000 professionals across 50 companies and held more than 200 sessions that have helped them lead better lives, both professionally and in their personal lives as well.

1. Employee Financial
Wellbeing Program
The missing piece in holistic
wellbeing

2. Agenda 01
Finances- Top cause of stress
IMMPL Edge 06
Program Benefits for both –
Employers & Employees
07
Business case for Financial wellness
02
03
04
05
08
Introduction to IMMPL
Solution – “Holistic Wellness”
IMMPL Approach & Offerings
Case studies & partial client list
Proprietary and Confidential - do not distribute

3. International Money Matters Pvt Ltd “IMMPL” - Intro
Two Decades of Investment Experience That Really Matters
For more than two decades, IMMPL has helped countless people secure their financial future and
live life on their own terms. We aren’t just a team of expert personal financial advisors, we’re trusted
partners facilitating financial independence across the globe.
21+
Years since
Inception
2000 + Cr
Assets under
Management
600+
HNI
Clients
15+
Corporate Clients
For Employee
Wellness Program
500+ Cr
Risk
Covered
10+
Countries covered
Under cross-border
services
6+
Locations
IMMPL – Key Numbers
IMMPL – Key Achievements
Outlook Money Awards
2015 -2019
Money Today FPCIL Awards
for Financial Excellence, 2014
UTI MF & CNBC 18’s
Financial Advisor Awards
2014-2015
CEO wins the Global Financial
Planner Award (Asia), 2019. In India,
IMMPL finish in the top
3 for the second year running.

4. Mental health issues driven by financial stress
impact an employer’s bottom line in key areas
Productivity Engagement
82%
6%
Retention
21%
Attendance
5%
41% 69%
Less likely to feel
valued at work.
Six times more likely to say
that financial stress has
severely/ majorly impacted
their productivity at work.
42% 35%
Twice as likely to be looking
for a new job.
Seven times more likely to say that
financial stress has impacted their
attendance at work.
Source: 2022 PwC Employee Financial Wellness Survey, January-February 2022: base of 1,100 full-time employees who say that money
worries have a severe/major negative impact on their mental health
Proprietary and Confidential - do not distribute

5. Solution : Holistic Wellness for Employees
Successful holistic wellness programs focus on employee financial health
through “Financial Planning” by Certified Financial Planners
Traditional Employee
Wellness Program
Holistic Employee
Wellness Program
Proprietary and Confidential - do not distribute

6. What is Personal financial wellness – A definition
Financial wellness (or financial wellbeing) refers to a person’s overall financial health
and the absence of money-related stress.
What is Employee Financial Wellness program
Employee financial wellness programs are programs run by employers that help
employees (better) plan & manage their finances and reduce financial worries. As
such, they contribute to a better overall financial wellbeing for employees. Employees,
in turn, contribute more to employer due to increased productivity, reduced
absenteeism, enhanced loyalty.
What is Employee Financial Wellness Program
Proprietary and Confidential - do not distribute

7. What is Personal Financial Planning
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8. Business Case for Supporting Employee Financial Health
Financial stress due to recent economic situation is
impacting organizations' bottom line
Employees whose financial stress Employees whose financial stress
did not increased due to pandemic
increased due to pandemic
Productivity
Finances have been a distraction at work
45% 12%
Retention
Would be attracted to another company that cares more about financial wellbeing than their current company
72% 57%
Health
Avoided having a medical issue addressed due to cost
57% 28%
(1) PwC’s 11ᵗʰ Annual Employee Financial Wellness Survey January 2021..
65% of Indians say retirement planning advice from the
employer would increase their loyalty to the organization
Yet, only 46% of private-sector employees say their
employers motivate them to plan for retirement
The PGIM India Mutual Fund Retirement Readiness Survey 2020
Proprietary and Confidential - do not distribute

9. IMMPL Approach : Financial
Wellbeing over all Life stages
of Employees
Debt
Reduction
• Credit Card
Debt
• Personal Loan
• Vehicle Loan
Budgeting
• Expense
Management
• Lifestyle
• Management
• Life & Health
Insurances
• Rainy Day Fund
Large
Expenditure
• Vehicle
• Children Education
• Children Marriage
• Real Estate
Wealth
Accumulation
• Retirement
Readiness
Retirement Income
& Leaving a Legacy
• Passive Income
• Long Term Care
• Estate Planning
Proprietary and Confidential - do not distribute

10. IMMPL Delivery Methods of Employee Financial Wellbeing
Customized as per Demographics, Income Level, Financial Literacy
• Sessions
• Webinars
• Employee NPS
• Financial Counselling
• Workshops
• 1:1 Consultations
• Help Desks
over calls
Financial Financial
Literacy Awareness
Financial Financial
Wellbeing Security
• Basic Financial
Planning
• 2nd opinion
Planning
• Holistic Financial
• Plan Execution
• Cross Border
Financial Planning
Proprietary and Confidential - do not distribute

11. And “Black Swan” Events : Pandemic Addition –
Financial Transitions Planning
Financial Planning
Insurance Claim Support
Documentation
1:1 Transition Consulting
Proprietary and Confidential - do not distribute

12. IMMPL Financial Wellness Program Rollout Methodology
Your organization's financial wellness program should be tailored to suit your employees' unique needs. To this end, a
one-size-fits-all approach doesn't exist. There we “co-create” the financial wellness program (developing and implementing),
together with the client organization by following steps mentioned below :
1. Assess your employees' needs/ Challenges
Surveys are ally here; either include financial wellbeing questions in your employee engagement survey or send
pulse surveys that cover aspects of financial literacy.
2. Be clear of your goals
There are two main goals of any financial wellness program:
i. To help your employees enjoy a better state of financial wellbeing
ii. To achieve employer goals such as improving productivity, raising employee morale, reducing turnover rate
3. Identify internal challenges and handle them appropriately
a) Budget, Leadership buy-in, Benefits & Rewards team’s lack of clarity about Employee Financial Wellness
b) Employees’ fear of disclosing confidential financial information
4. Launching the Financial Wellness Program
Communicate to employee and Promote vigorously
1. Assess employees’ financial health
a) Financial Wellness Assessment for making personalized suggested action plan
b) Monitoring and tracking progress made
2. Choose appropriate implementation tools & strategies
Best Practices of Project Rollout and Management : Program driven by Executive committee (consists of CXOs) and
executed by Steering Committee (Consists of HR, Benefits, Rewards and Wellness Team and employee representatives)
3. Establish metrics to measure the success of your employees’ financial wellness
Examples KPIs : Productivity, Retention, ROI (cost savings in hiring, re-training etc.), Number of program participants
4. Analytics to act on the findings of your employee financial wellness data
Act on the findings and set course correction
Proprietary and Confidential - do not distribute

13. IMMPL Edge
1. Unique & Proven Methodology for Enabling Your Workforce’s Financial Wellbeing
a) High-tech, High-touch Service Delivery
IMMPL meet your employees where- ever they are with high-tech and high-touch
solutions that make financial wellness personal and actionable at every life stage to help them take the
best next step.
a) Facilitating A Change
Our goal is to provide working professionals with the financial knowledge and tools they need to be
stress-free, financially, and allows them to be more productive at work. With onsite consultations
and richness workshops, we can help drive a significant change in organizational efficiency.
2. Unprecedented Expertise in Corporate Employee Wellness
a) We have worked with over 9000 professionals across 50 companies and held more than 200 sessions that
have helped them lead better lives, both professionally and in their personal lives as well.
b) SEBI certified professionals, Certified Financial planners (CFP) and Certified Financial Transitionist (CeFT)
c) Proven expertise – as evident from the accolades/ awards received from organizations like Money Today
(in collaboration with Financial Planning Corporation (India) Pvt Ltd), UTI MF & CNBC 18, Outlook Money
3. No Hidden Agenda
Our investment advice is backed by extensive research – we never (a) push any specific product
like loans, salary top-up/ advance etc.(b) offer investment tips, based on stock market
“predictions”, (c) Encourage clients to take risky, short-term bets.
Proprietary and Confidential - do not distribute

14. Program Benefits to Employee
Reduce Financial
Literacy
Learn DIY
Tools
Take Control
of Money
Financial
Security
Financial
Stress & Application
Proprietary and Confidential - do not distribute

15. Program Benefits to Employer
Tax Reduction- Tax Happier Employees
planning for Workforce
Increase Retention- Free of Financial Stress
Focused and Productive
Increase Employer
Retirement Planning for
Workforce Tangible Intangible
benefits benefits
Cost Reduction- Salary
Structuring
Increase Financial Security-
Savings Plan for Workforce Satisfaction
Proprietary and Confidential - do not distribute

16. CHALLENGES FACED BY EMPLOYEES
Huge Tax Outflows
Not knowing the approach
towards company RSU and
mitigate Tax
Investment without the plan
Risk Protection- Now aware if they
are adequately covered
Financial Stress/
Undergoing life transitions
Not understanding their risk
tolerance level and the
impact it has on the
investment choices
Case Study : Financial Wellness Service to
One of the Top 10 leading Tech firms in the world (1/3)
Proprietary and Confidential - do not distribute

17. Comprehensive
Financial Plan
Second Opinion
Onsite
Consultation
Online
Consultation
Sessions/
Helpdesk
IMMPL SOLUTION Offered (2/3)
Services No of Employees & their family
Financial Plan 300+
Second Opinions 100+
Online/Onsite Consultations 1000+
Since 2017-2018, We have touched lives :

18. Popular session hosted by Us
Securing your finances during Crisis
Money Matters-Taking Control of your finances
Retire Smart- Be Retirement ready
92 66 78 62
19 25 16 18
169
114 121
193
0
100
200
300
20-21 21-22 22-23 23-24 Until
Dec
FP 2nd Opinions Onsite consultations
Outcome : Substantial vale of IMMPL Services
Consistent participation of Employees Over last 4 years (3/3)
Proprietary and Confidential - do not distribute

19. WE PARTNER WITH ONE OF THE LEADING
WELLNESS SOLUTION PROVIDERS IN INDIA
They have served for more than 100+
Companies providing
• Emotional Wellness
• Physical Wellness
• Financial Wellness
• Social Wellness
IMMPL Being their Financial
Wellness partner servicing their
Clients in this domain
Proprietary and Confidential - do not distribute

20. Services that we offered to
the clients since 2022
Item Qty Delivered
One on One
Consultation
500+
Consultations
Sessions &
Webinars
100+ Sessions
Partial List of Clients Engaged with the Partner

21. Clients Engaged with Directly by IMMPL
Real Estate
Health
InformationTechnology
Energy/ Petroleum Financial/Banking/Insurance
Sectors Covered
PSU/ Government Consumer Goods/
Online Shopping
Consulting
Service/BPO/KPO
Proprietary and Confidential - do not distribute

22. Thank You
Look forward to a fruitful relationship
www.immpl.com
ramendra.m@immpl.com
+91 9845743552