The Personal Financial Wellness (PFW) scores for a sample of employees provide a benchmark of the overall financial well-being of employees. National norms for the general population of adults in the United States exist for comparison.

The Personal Finance Employee Education Foundation (PFEEF) can work with employers and workplace financial education providers to compute PFW scores for employees using a valid and reliable instrument developed by PFEEF scholars. Employees may (1) complete the PFW survey online using a PFEEF-provided link, or (2) fill out the survey using a pencil and scannable form. Six demographic items also are included on the survey. Completion of the survey takes less than 5 minutes.

PFEEF provides employers with a written report documenting and interpreting the financial well-being of their employees. The report compares employees' PFW scores with those of the general population, using established national norms. It also provides findings and interpretation of statistical analyses of the PFW scores in relationship to demographic variables.  

Following the employer's provision of workplace financial education, PFEEF again collects data from employees to document changes in financial wellness. PFEEF then provides a second written report similar to the first one. The second report provides an analysis of changes in financial well-being following the delivery of financial education. The follow-up service is performed at a time jointly determined by the employer and PFEEF, usually 6-12 months following the delivery of financial education. PFEEF also can perform yearly follow-ups to document the financial well-being of employees.