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Almost three-quarters (72%) of employers either currently offer, or plan to offer, financial education provided by an independent specialist.",[],{"_key":106,"_type":80,"children":107,"markDefs":112,"style":88},"73e7caea4545",[108],{"_key":109,"_type":84,"marks":110,"text":111},"e5d426fbc754",[],"However, employers are increasingly complementing financial education with more personalised interventions designed to help employees take action based on their individual circumstances. Financial coaching is expected to increase by three-quarters (76%) over the next two years, rising from 33% offering it now to 58% in the future. Employers offering access to regulated financial advice is also forecast to grow by over three-quarters (77%), rising from 22% now to 39% in the future. 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Many also believe workplace savings can help reduce people-related risks such as financial stress and absence (68%), improve employee engagement (67%), support employees facing cost-of-living pressures (64%), to become an employer of choice (65%) and attract and retain talent (59%).",[],{"_key":154,"_type":80,"children":155,"markDefs":160,"style":88},"65b36efd31ec",[156],{"_key":157,"_type":84,"marks":158,"text":159},"99bee3489371",[],"Particularly strong growth is expected in tax-efficient savings products and short-to-medium-term savings solutions. Savings via tax-free wrappers (e.g. ISAs, including Lifetime ISAs) are forecast to increase by 93% (from 27% to 52%). Medium and short-term savings schemes are expected to grow by 106% (from 18% to 37%). 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PAYE saving schemes have increased by 157% (from 14% to 36%), while savings tax-free wrappers have grown by 93% (from 14% to 27%) and short-to-medium-term savings arrangements have doubled from 9% to 18%.",[],{"_key":170,"_type":80,"children":171,"markDefs":176,"style":88},"ba9e7097203c",[172],{"_key":173,"_type":84,"marks":174,"text":175},"ce9ac3f0c2ef",[],"The findings suggest employers are responding to growing concerns around financial resilience, emergency savings and short-term financial security, with many recognising that employees need support to manage both current financial pressures and future financial goals.",[],{"_key":178,"_type":80,"children":179,"markDefs":185,"style":88},"43c6678bb4da",[180],{"_key":181,"_type":84,"marks":182,"text":184},"dc16db38a72b",[183],"strong","Jonathan Watts-Lay, Director, WEALTH at work, comments:",[],{"_key":187,"_type":80,"children":188,"markDefs":193,"style":88},"a06d22051675",[189],{"_key":190,"_type":84,"marks":191,"text":192},"e48de18ad736",[],"\"Financial education remains the foundation of a successful financial wellbeing programme because it helps employees understand their options and make informed decisions.",[],{"_key":195,"_type":80,"children":196,"markDefs":201,"style":88},"64b69cf1eb7d",[197],{"_key":198,"_type":84,"marks":199,"text":200},"6a1ef04f72ab",[],"“However, we're increasingly seeing demand for support that is more personalised, practical and action orientated. 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