Once a company benefit available only to top-tier executives, financial advice is becoming a mainstream employee perk.

Workplace research and anecdotal evidence suggest that employees exposed to one-on-one fiscal education programs are more likely to seize control of their finances, save more money, better prepare for life's big moments and stress less at work. 

For their part, employers can expect to see not just a boost in employee morale and productivity, but growth in their 401(k) plan participation and increasing contribution levels as a percentage of salary.

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