AI Coach - BrightPlan

91% of employees are stressed about finances

18% of employees have only basic financial literacy

48% of employees have more debt than is manageable

The AI Coach completes your
financial wellness offering

A global workforce is diverse, spanning geographies, generations, genders, and interests. Not all employees will use AI for financial guidance, but many, especially the largest generations in the workforce like millennials and Gen Z, prefer technology-first solutions. BrightPlan invests heavily in both AI and human advisors to support employees where they are, providing a holistic solution that evolves with workforce expectations and delivers value to as much of your workforce as possible.

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BrightPlan's Enterprise Solution

Content drives the power of AI

Simply put, there are two main types of AI. Open AI, like ChatGPT, draws from a wide range of internet sources, providing answers without regard to employer or employee risk. Closed AI, on the other hand, is trained on proprietary content and only responds based on controlled, trusted information.

BrightPlan’s AI Coach is a closed AI, trained on nearly 10 years of proprietary financial content designed solely in your employees’ best interests (commonly referred to as fiduciary). Unlike open AI, it avoids the risks of internet-sourced guidance, such as incorrect advice, product-selling bias, or exposure of sensitive employee information, ensuring safe, trustworthy support. These are risks any employer simply can't take on.

Security & Compliance

The biggest barrier to employee adoption is security. Employers must manage both security and compliance, and many vendors promoting AI capabilities downplay its importance. BrightPlan takes a different approach, investing in mandatory and voluntary audits and certifications to overcome this barrier for employees and give enterprise employers the confidence their employees' data is safe.

Unmatched Personalization
for any employee, anywhere

For employees, here are three simple ways to use the AI Coach for 24/7 guidance—anytime, anywhere, and in any language, right in their pocket.

Company benefit visibility.

Employees don’t need to take any action. During implementation, the AI Coach is trained on your company benefits, allowing it to incorporate them into its guidance whenever relevant. This helps employees fully leverage benefits as intended, creating a new level of visibility that delivers real impact.

Set preferences.

Everyone manages their money differently, with some comfortable with higher risk for greater reward and others more conservative. The AI Coach adapts to each employee’s preferences, providing personalized guidance tailored to their approach.

Link accounts.

Linking accounts simply gives it visibility into an employee’s financial picture, enabling personalized guidance. It takes just minutes, something that could take weeks with a human advisor to gather and interpret.

Set Goals.

Each employee can choose from existing goals or set their own. The AI Coach uses these goals to guide progress in line with what matters most to the employee while supporting a clear path toward long-term financial success.

Just Ask
Your AI Coach

Understands my current goals
Tax resources
Financial goal guidance
Retirement contribution guidance
Resource advice
Insurance guidance
Recommended next steps
Additional education

AI That Leads the Way

While AI has recently gone mainstream, BrightPlan has been investing in it since 2019, with patents forming the foundation of the AI Coach. We understand the need to deliver the best employee experience, shaped by HR, technology, and evolving employee expectations like financial wellness. Our mission has always been rooted in the use of technology to enhance financial success for employees,helping deliver value to both employees and employers.

Data-backed Insights for HR Teams

The AI Coach gives HR teams aggregated, anonymized data to reveal the true pulse of employees with the ability to break it down into segments of your population, enabling faster and more informed responses to their needs.

For example, if the executive team decides to discontinue meal tickets in an Eastern European country, the CEO might ask the head of HR about employee reactions. Using AI data, the CHRO can quickly see a spike in questions to the AI Coach regarding the financial impact on employees and address the CEO’s question with data-backed insights.
Another example, a sudden spike in retirement questions to the AI Coach signals HR to align communications, highlighting relevant resources and promoting access to the retirement provider.

No more worrying about which surveys and questions best gauge employee sentiment. HR teams can now see the questions employees are actually asking and gain unprecedented insight to better support their workforce.

Fiduciary Excellence

Answering employees’ financial questions is high-risk and often off limits for HR teams. BrightPlan provides the answers to complex financial questions for employees and we’re certified for fiduciary excellence by CEFEX, so your employees can trust our advice

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