The Personal Financial Wellness (PFW) scores for a sample of employees provides the human resources professional and top management a benchmark of the overall financial wellbeing of employees. National norms for the general population of adults in the United States exist for comparison.

Employers and workplace financial program providers may collect Personal Financial Wellness (PFW) scores from employees using the valid and reliable questions. Employees may (1) complete the PFW questions online using state-of-the art encrypted confidentiality, or (2) fill out the questions using a pencil and paper format. Six demographic questions also are asked. This takes employees 3 to 4 minutes to complete.

Working solely through our partners—PFEEF's “Best Providers”—the Personal Finance Employee Education Foundation projects the ROI for employers who chose to implement or expand a quality financial program designed to reduce employee financial distress and increase their personal financial wellness. The approach is explained in "Employer's ROI," an 8-slide PowerPoint presentation on the PFEEF Home Page.

The ROI numbers are based upon the distribution of scores on the Personal Financial Wellness (PFW) questions from a sample of employees in a single online data collection that benchmarks the financial wellness of the employees. PFEEF prepares a written report and PowerPoint presentation of the findings that a partner shares with participating client. There is no cost to the employer.

If requested, PFEEF can create an employer-specific ROI when their human resources professionals provide actual cost data. PFEEF also conducts research with its Best Providers to prove that their financial programs work; we do so in part by measuring increases in employee financial wellness. One year following the commencement of a financial program PFEEF can calculate an employer's genuine return-on-investment.