A study by the HR Research Institute reveals that only 14 percent of organizations truly understand their employees' financial well-being, with debt being the top financial stressor for 68 percent of employees. However, only 39 percent of organizations have implemented financial wellness programs. Budget constraints and lack of buy-in from senior management are barriers to adoption. Employees are interested in budgeting support, debt management resources, personalized financial advice, and retirement planning assistance. Investing in financial wellness initiatives can improve productivity, engagement, and retention.