Life doesn’t pause when the workday begins. From getting married and starting a family to buying a home or preparing for retirement, employees are constantly navigating major life transitions, many of which come with financial consequences. While these milestones can be exciting, they can also be stressful—especially when employees don’t have the knowledge or support they need to make confident decisions. According to New York Life’s 2024 Wealth Watch Survey, 62% of adults believed they were financially prepared for a major life event but later discovered they weren’t, underscoring just how common—and financially impactful—life transitions can be.
That’s where BrightPlan’s Financial Wellness AI Coach comes in. This intelligent, always-on digital coach provides personalized, real-time financial guidance tailored to employees’ unique circumstances, offering support when and where it’s needed most. This means no scheduling and no waiting for employees…and for your HR team it means no added burden.
Let’s explore how the AI Coach supports employees through key financial moments and how it can add value to your overall benefits strategy.
Major life milestones—like getting married, having a child, or buying a home—often come with time-sensitive financial decisions and high emotional stakes. Without accessible, tailored support, employees may feel overwhelmed or make costly missteps.
BrightPlan’s AI Coach delivers personalized insights that are based on the employee’s unique financial situation to help them navigate important transitions with clarity and confidence. By stepping in with timely, relevant guidance, employees feel empowered, not stressed, as they move through life’s most financially significant moments.
Here’s how it works across common life events:
BrightPlan's AI Coach isn't just helpful for employees -- it's also a strategic advantage for HR teams. Here's why:
The AI Coach provides around-the-clock guidance, especially during high-volume times like open enrollment or life events that occur outside of work hours. This guidance encompasses company benefits too. When employees need to know what benefits are available, how they work, and where to find resources, the AI coach takes on those questions by offering personalized guidance based on the individual’s unique financial situation and linking employees directly to relevant company benefits and HR resources.
This means your team doesn’t have to spend time fielding every financial or benefits-related question. Employees can simply ask the AI Coach and still get accurate, timely, and tailored support—without the wait.
Employees often struggle to understand and fully utilize benefits like 401(k)s, FSAs, or equity plans. (In fact, a 2024 Voya study found 47% of benefits-eligible employees say reviewing voluntary benefit options is difficult, highlighting how easily employees can miss key offerings.)
The AI Coach connects those dots, increasing utilization and driving greater ROI from your total rewards package.
When employees feel supported during life’s financial milestones, it builds trust, reduces stress, and strengthens long-term loyalty. Currently, 92% of leaders believe their company offers the financial guidance, support, and tools employees need to achieve their life goals, compared to just 56% of employees, according to the 2024 Wellness Barometer Survey. This gap matters.
Financial stress follows employees to work, often showing up in the form of distracted hours spent worrying about money, calling bill collectors, or researching financial resources during the workday. These finance-related concerns chip away at productivity and, over time, can create a feedback loop of stress, poor performance, and even greater anxiety. Proactive, personalized support can help close that gap and reverse the trend, ensuring employees truly feel supported by their organization—and able to bring their best to work.
Employees don’t always have the time or emotional bandwidth to research financial decisions on their own. They need answers they can trust, right when they need them.
BrightPlan’s AI Coach delivers:
This level of support reduces financial stress, boosts confidence, and helps employees take meaningful action, resulting in better focus, stronger engagement, and healthier financial habits across the workforce.
Life doesn’t happen on a schedule, and financial wellness support shouldn’t, either.
BrightPlan’s AI Coach empowers employees through every stage of life, delivering personalized, real-time guidance that meets them where they are and supports their individual goals. For HR teams, it’s a way to scale impact without stretching resources and to deliver real value across your benefits ecosystem.
→ Want to see the AI Coach in action?
Explore how BrightPlan supports employees through life’s key moments.