Financial wellness for all 

Our participants have access to financial resources, tools, and benefits that adapt to their changing needs, helping them reach their individual financial goals.

Achieving financial wellness in the workplace and beyond

Our core purpose is to give every investor their best chance for success. Select a career category below to discover how our personalized approach helps meet the unique needs of participants at every stage of their journeys. 
    Jasmine, 27
    Medical Assistant
    Needs and goals
    “I borrowed from my 401(k) to buy a car to get to work. With my student loans, there’s no room for anything to go wrong.”
    Financial wellness support
    • Vanguard Target Retirement Funds and Trusts
    • Financial Wellness Assessment
    • Emergency Savings Calculator
    • Student loan services
    • Vanguard Cash Plus Account
    View details
    Outcome
    Jasmine starts saving for emergencies, pays down her student loans, and rebuilds her retirement savings—with less stress and more control over her future.
    Debt Paydown Strategy Tool
    Tyler, 27
    Software Developer
    Needs and goals
    “I max out my 401(k) contribution but think I should be doing more—plus saving for our wedding and our first house.”
    Financial wellness support
    • Vanguard Cash Plus Account
    • Roth IRA
    • Brokerage account
    • Equity compensation such as employee stock purchase plan
    • Personalized financial advice
    View details
    Outcome
    Prompted by Vanguard, Tyler talks with a licensed representative, explores options beyond his 401(k), and sets a plan to save for a house and other future goals. As his savings and investments grow, Tyler feels more confident about his money.
    Marcus, 39
    Union Electrician
    Needs and goals
    “Coming off a divorce, my focus is to provide for my eight-year-old and have enough for a decent retirement.”
    Financial wellness support
    • Vanguard Target Retirement Funds and Trusts
    • Vanguard Cash Plus Account 
    • Retirement Readiness Tool 
    • Retirement Savings Maximizer 
    • One-time personalized financial advice consultation
    • 529 education savings account
    View details
    Outcome
    Marcus builds a solid plan for retirement and his child’s education, giving him peace of mind and a clear path forward.
    Vanguard Cash Plus Account
    Carla, 42
    Patient Services Coordinator
    Needs and goals
    “How can I retire at age 65 and save for my 10-year-old’s college expenses when I’m still juggling loans and credit card debt?”
    Financial wellness support
    • Contribution Maximizer 
    • Debt Paydown Strategy Tool 
    • Student loan debt services 
    • 529 education savings account 
    • Personalized financial advice 
    • Health savings account 
    View details
    Outcome
    Carla gets a handle on her debt, starts saving for retirement and her child’s college expenses, and feels more in control of her money and her future.
    Priya, 50
    Chief Marketing Officer
    Needs and goals
    “With a successful career and a child in college, I need a tax-smart plan to help me retire early and leave a legacy.”
    Financial wellness support
    • Equity compensation such as employee stock purchase plan 
    • Nonqualified plan 
    • Retirement Savings Maximizer
    • 529 education savings account 
    • Health savings account 
    • Vanguard Cash Plus Account 
    • Brokerage account 
    • Advisor-led personalized financial advice
    View details
    Outcome
    Priya fine-tunes her finances to achieve early retirement, balances her child’s college costs, and builds a legacy plan—with smart tax strategies and expert advice guiding each step.
    Retirement Savings Maximizer
    Jim, 50
    Chief Executive Officer
    Needs and goals
    “How do I coordinate my company's executive benefits with the advised investments I already have, so that my spouse and I are financially secure when I retire in 12 years?”
    Financial wellness support
    • Plan-specific custom executive support 
    • Nonqualified plan 
    • Equity compensation such as employee stock purchase plan 
    • Brokerage accounts 
    • Health savings account 
    • Vanguard Cash Plus Account
    View details
    Outcome
    Jim uses wealth management services to align his workplace benefits with outside investments, creating a retirement plan that supports his goals and helps protect his spouse’s future.
    Linda, 60
    Human Resources Manager
    Needs and goals
    “Five years from retirement, I’m worried about Medicare and health care costs when I no longer have a paycheck or employer benefits.”
    Financial wellness support
    • Nonqualified plan 
    • Health Care Cost Estimator 
    • Vanguard Cash Plus Account 
    • Traditional IRA 
    • Advisor-led personalized financial advice
    View details
    Outcome
    Linda gets a clearer picture of her retirement income and health care costs, helping her feel ready to retire at age 65 with fewer surprises.
    Robert, 66
    Retired Delivery Driver
    Needs and goals
    “I want to help my grandchildren go to college, but my health care costs are rising while my retirement income isn’t.”
    Financial wellness support
    • Retirement modeling tools and Retirement Plan Paychecks
    • Traditional IRA
    • Roth IRA
    • Digital personalized financial advice
    • 529 education savings account
    • Vanguard Cash Plus Account
    View details
    Outcome
    Robert uses planning tools and advice to stay on top of health care costs and make his retirement income last—while still contributing to his grandkids’ 529 accounts.

    Vanguard's financial wellness solutions help participants achieve stronger outcomes

    Participants who engage with financial wellness services tend to have higher account balances, are less likely to take loans, and are more likely to retain assets in their plans after termination. These trends are even more pronounced among those who use multiple financial wellness services.1
    Participants using multiple financial wellness solutions, compared with those using none:1
    13 x
    higher median account balance 
    79 %
    less likely to have an outstanding loan
    3 x
    more likely to stay in the plan after termination 

    Data that leads

    The preservation of savings is important as participants approach retirement. Check out the latest in retirement savings trends.
    How America Saves 2025
    Let us show you what we can do for you and your participants.  
    Contact your Vanguard representative or let us know how we can reach you.
    Check out our full list of wellness resources Next button

    Source

    1 Vanguard analysis of use of student debt services, health savings accounts, 529 education savings accounts, and competitive yield savings accounts among 3.9 million active participants and 11.2 million terminated participants from 1,411 active plans. The analysis compares participants who used two or more financial wellness solutions with participants who used zero. Data is as of July 31, 2025.

    Important information

    For more information about any fund, visit institutional.vanguard.com or call 866-499-8473 to obtain a prospectus or, if available, a summary prospectus. Investment objectives, risks, charges, expenses, and other important information are contained in the prospectus; read and consider it carefully before investing.

    All investing is subject to risk, including the possible loss of the money you invest. Diversification does not ensure a profit or protect against a loss.

    The Vanguard Cash Plus Account is a brokerage account offered by Vanguard Brokerage Services, a division of Vanguard Marketing Corporation, member FINRA and SIPC. Under the Sweep Program, Eligible Balances swept to Program Banks are not securities: They are not covered by SIPC but are eligible for FDIC insurance, subject to applicable limits. Money market funds held in the account are not guaranteed or insured by the FDIC but are securities eligible for SIPC coverage. See the Vanguard Bank Sweep Products Terms of Use and Program Bank list for more information.

    Advisory services are provided by Vanguard Advisers, Inc. (VAI), a registered investment advisor. Eligibility restrictions may apply. 

    For more information about any 529 college savings plan, contact the plan provider to obtain a Program Description, which includes investment objectives, risks, charges, expenses, and other information; read and consider it carefully before investing. If you are not a taxpayer of the state offering the plan, consider before investing whether your or the designated beneficiary’s home state offers any state tax or other benefits that are only available for investments in such state’s qualified tuition program. Vanguard Marketing Corporation serves as distributor for some 529 plans. 

    Investments in Vanguard Target Retirement Trusts and Funds are subject to the risks of their underlying funds. The year in the trust or fund name refers to the approximate year (the target date) when an investor in the trust or fund would retire and leave the workforce. The trust or fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. The Income Trust/Fund and the Income and Growth Trust have fixed investment allocations and are designed for investors who are already retired. An investment in a Target Retirement Trust or Fund is not guaranteed at any time, including on or after the target date.

    Vanguard Target Retirement Trusts are not mutual funds. They are collective trusts available only to tax-qualified plans and their eligible participants. Investment objectives, risks, charges, expenses, and other important information should be considered carefully before investing. The collective trust mandates are managed by Vanguard Fiduciary Trust Company, a wholly owned subsidiary of The Vanguard Group, Inc.

    There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives or provide you with a given level of income.

    We recommend that you consult a tax or financial advisor about your individual situation.