man giving presentation on finances (Photo: Getty)

How many doctors’ offices recommend the same course of treatment to every patient, regardless of their vitals and health history? What kind of physical therapy clinic advocates for an unchanging routine of strengthening exercises regardless of the patient’s initial symptoms or progress?

You’d be right to be wary of any practice that claims to promote “wellness” but seems to have a one-size-fits-all approach to achieving it. But that’s exactly what most Americans deal with when it comes to financial wellness programs touted by their employer. Many programs are inadequate at best and inequitable and inaccessible at their worst — and Americans who need help navigating their finances the most often see their own financial wellness suffer as a result.

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