Your Employees’ Financial Stress Negatively Impacts…

PRODUCTIVITY

39% of your employees are spending 3 or more hours at work each week dealing with personal financial issues. (Price Waterhouse Coopers, 2018) That’s 156 hours of lost productivity per year per 1 out of every 3 of your employees! (PWC.com)

RECRUITMENT

Financially stressed employees are less happy at work and less like to say good things about you to potential candidates. (PWC.com)

ENGAGEMENT

Only 29% of employees who are struggling financially report being engaged at work (versus 51% who are not). (Willis Towers Watson)

ABSENTEEISM

20% of employees admit to skipping work to address financial issues. (Willis Towers Watson)

TURNOVER

Financially stable employees are less likely to leave a job. (PWC.com)

All of this increases expenses and decreases revenue, hurting your bottom line!

What We Do About It

AOF is a team of experts skilled in People-Centered Financial Coaching. We’re on a mission to eliminate financial stress, effectively giving your employees the means to build long-term financial health and change the trajectory of their lives.

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On Average, AOF’s Clients:

INCREASE

Credit scores by 102 points.

DECREASE

Delinquent debt by $2,683

DECREASE

Predatory debt by $5,887

DECREASE

Debt-to-income ratio by 12 percentage points

How We Do It

Over a 1 to 18-month period, we build authentic personal relationships with willing employees, help them repay high-interest predatory loans, co-create/achieve their financial goals, and reduce their financial stress.

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Our Impact

People-Centered Financial Coaching Works!

“I was being crushed under the weight of huge amounts of delinquent debt, a 468 credit score and no financial institution to turn to besides a predatory lender. My friends and family suggested I go bankrupt. Fast forward 17 months and I’ve paid off $55,000 in bad debt, raised my score to 680 and bought my first house.”

– BILL

“When I met my coach I was a little overwhelmed. I had a dream to go back to school and provide for my children. My coach and I raised my credit score by 114 points and we paid off a very stressful debt so that I could start getting serious about school.”

– ROSE

“My credit score was about 560 and I was paying way to much interest on a car loan. My coach saved me thousands on health insurance premiums and refinancing my high interest loans. My score is up 80 points and with the money we saved on health insurance I was able to buy a very affordable car for me and my oldest son!”

– STACY

“When I met my coach I had a 590 credit score and some high stress interest rates and debts that ensured I never could get ahead. In just three months I refinanced my high interest debt down under 6%, saved $8000, paid off stressful debt and increased my score to 625! I’m still meeting with my coach to “work the plan” and loving it.”

– BECKY

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