Value to Employers
Weighing the Effects of Financial Education in the Workplace, Edmiston, Gillet-Fisher, McGrath, 2009 Read more...

It's Time to Create a Financially Literate Workforce to Improve the Bottom Line, Benefits Compensation Digest, Prawitz & Garman, 2009  Read more...

Education to Promote Employee Financial Well-Being: What Role for Employers? GTZ Case Study Book on Financial Wellness (2009), Prawitz & Garman Read more...

The Dawning of an Industry, Investment Advisor, 2008, Waddell Read more...

Defined Contribution Plans Emerging in the Public Sector: The Manifestation of Defined Contributions and the Effects of Workplace Financial Literacy Education, Review of Public Personnel Administration, 2008, Holland, Goodman & Stich. Read more...

Workplace Financial Education Program: Does it have an Impact on Employees' Personal Finances? Journal of Family and Consumer Sciences (2007), Kim Read more...

Financial Behaviors of Consumers in Credit Counseling, Consumer Interests Annual, 2004, Xiao, Sorhaindo, & Garman Read more...

Financial Education at the Workplace: Evidence from a Survey of Federal Reserve Bank Employees (2006), Edmiston & Gillett-Fisher Read more...

Relationship between Financial Stress and Workplace Absenteeism of Credit Counseling Clients, 2006, Journal of Family Economic Issues, Kim, Sorhaindo, Garman Read more...

Credit Counseling and Debt Management Impacts on Financial Stressors and Financial Management Behaviors, Credit Counseling, Financial Behavior, Journal of Family and Consumer Sciences (2006), Kim, Garman & Sorhaindo Read more...

* Relationships Among Financial Practices, Financial Well-being, and Health of Financially Distressed Consumers, Financial Counseling and Planning, 2005, O'Neill, Xiao, Sorhaindo, & Garman Read more...

* Financial Stress, Pay Satisfaction and Workplace Performance, Compensations and Benefits Review, 2004, Kim & Garman Read more...

Financial Education and Advice Change Worker Attitudes and Behaviors, Journal of Compensation and Benefits, 2003, Kim & Garman. ("Most Frequently-Read Article" in JCB) Read more...

* Financial Stress and Absenteeism: An Empirically Derived Research Model, Financial Counseling and Planning, 2003, Kim & Garman Read more...

Financial Education in the Workplace...It's Critical to Our Future, West Virginia Executive, 2003, McKinley Read more...

Financial Stress and Workplace Performance: Developing Employer-Credit Union Partnerships, Filene Research Institute, 2002, Garman, Williams, & Weisman (3 articles) Read more...

Improving Employee Personal Financial Wellness Increases Profitability, The Center for Credit Union Innovation and the Filene Research Institute, 2002, Garman Read more...

Financial Satisfaction, Personal Finance-Work Conflict, and Work Outcomes (Pay Satisfaction, Organizational Commitment, And Productivity), Proceedings of the Association for Financial Counseling and Planning Education, 1999, Kim Read more...

Employee Personal Financial Wellness and Job Productivity-Research is Needed to Convince Top Management to Make the Investments in Workplace Financial Education, Personal Finances and Worker Productivity, 1999, Garman Read more...

Insights into Participation in Workplace Financial Education At Southeastern Chemical Producer, Incorporated: Executive Summary (Virginia Tech), 1998, Kratzer, Brunson, Garman, Kim, & Joo Read more... (Click here for full report)

The Business Case for Financial Education-Personal Financial Wellness and Employee Productivity, Personal Finances and Worker Productivity, 1998, Garman Read more...

The Employer's Cost for the Personal Financial Management Difficulties of Workers: Evidence from the U.S. Navy, Personal Finances and Worker Productivity, 1998, Luther, Leech & Garman Read more...

Personal Financial Wellness May be the Missing Factor in Understanding and Reducing Worker Absenteeism, Personal Finances and Employee Productivity, 1998, Joo & Garman Read more...

The Potential Effects of Workplace Financial Education Based on the Relationship Between Personal Financial Wellness and Worker Job Productivity, Personal Finances and Worker Productivity, 1998, Joo & Garman Read more...

Some Benefits of Workplace Financial Education, Proceedings of the Association for Financial Counseling and Planning Education, 1998, Kim, Bagwell, Garman, & Goodman Read more...

Personal Financial Education for Employees: Evidence on the Bottom-line Benefits, Financial Counseling and Planning, 1997, Garman Read more...

* Recommended Reading