Many employees realize that they have some financial behaviors that need changing. To succeed they must believe that they can successfully change those behaviors, and they must have a plan to change. Employers can help by giving employees easy access to quality financial programs. Such programs go well beyond simply explaining an employee benefits package and address the key decisions that must be made and how to integrate employee benefits into the broader pattern of good financial behaviors. A great place to begin is to have employees fill out PFEEF’s Personal Financial Wellness (PFW) Survey and Scale™ to determine their financial wellbeing.