Today, talent attraction, development, and retention are major business challenges. The more financially strained a company is, the harder this becomes.

We understand and appreciate that ROI is important.

Financially stressed employees seek security and will leave for better offerings.

Empower your staff with foundational training, tools, and guidance to dispel financial myths and reduce workplace stress. Businesses with financial wellbeing programmess experience both tangible and intangible benefits:

Lower staff turnover
Improved cohesion and efficiency
Increased productivity and creativity
Reduced absenteeism and presenteeism
Boosted confidence and reduced stress

'Everyday' financial planning tools, training, and insights prevent money worries.

This positively affects workplace dynamics and culture.

Measuring direct ROI is complex, but assessing initiative engagement is possible. We use mini-surveys, assessments, and feedback to gauge the impact of an initiative on your team's financial wellbeing.

Seeking help with personal finances can come with a stigma. We offer various options that allow employees to access support and remain anonymous.

Your team's relationship with Flowcastic™ is personal, private, and confidential. We report usage and engagement statistics without identifying individuals.

Students can use our tools with a personal Google account for added privacy.

Their data is visible only to them. They may choose to share it with us, other providers, or their employer as they see fit to meet their needs.

Our tools intentionally don't need to connect with banks to be effective.

Staff bank account credentials are not required to use the tools.

Email and chat support is private, with options to use both work and personal emails. During group Zoom calls, participants can remain anonymous. If they need help with a sensitive financial issue, we offer private 1-2-1 sessions.

Financial planning transcends the conventional traditional notions of saving, investing, and retirement preparation. In the face of adversity and unexpected life events, it is a lifeline for ensuring ends meet and maintaining stability.

Financial wellness takes on unique significance across diverse cultural backgrounds and career stages. Regardless of age, experience, or role.

There is an urgent need to equip ourselves and our families with foundational 'everyday' DIY financial planning training, skills, and tools to:

Navigate the complex changing landscape of our personal finances
Understand the intricacies of our present-day financial reality
Chart a financial path through the uncertainties of our future

Company cultures evolve, teams grow, and the economic climate changes.

They become more demographically diverse. Individual financial contexts, situations, and callenges become multi-faceted. Acknowledging and addressing these varied levels of need is now a must-have for employees.

Identification of these needs ahead of time is where Flowcasting™ comes into its own. Clear, timely communication of potential incoming financial issues and threats leads to appropriate and considered timely action.

Our team recognises a broad spectrum of financial experience. From mild hiccups to severe challenges, like debt management, insolvency, bankruptcy.

All from personal, often painful and costly firsthand experience.

This in-depth knowledge is the foundation of our mission:

To educate and empower people irrespective of their financial education, cultural context, and current situation. Be that good or bad for them.

Students can swiftly embrace the simplicity of Flowcasting™ through:

Inspirational vision-led money mindset training courses
Spreadsheet basics to ease the learning curve
Aspirational beginner-friendly on-ramp
Easy-to-use tools with training
Non-judgemental support

Comprehensive support ensures that every user can harness its full potential.

This innovative DIY financial planning approach democratises financial planning.

Being foundational Flowcasting™ bridges the gaps between:

Onerous household expense logging, tracking, and reporting
Overly simplistic and often misleading budgeting solutions
Traditional bookkeeping and accounting software tools
Restrictive cash flow forecasting based on historical records
Often inaccessible professional financial advice.

The sort that is often akin to using a metaphorical sledgehammer to crack a nut.

And an expensive one at that.

Diversity goes beyond demographic representation.

It encompasses the full spectrum of financial experiences.

Inclusivity is arming individuals with the resources they need to steer their financial ship. Whether that’s across calm or stormy seas.

These ideals come to life by demonstrating financial empowerment is accessible to all. That's where you as a visionary employer come in. All you need to do is:

Foster a culture where financial wellbeing is a common shared goal.

As well as an individual aspirational achievement.

We know you’re busy. The prospect of finding the time and energy to roll out a new initiative can feel daunting.

Worry not, we'll handle everything including ongoing management and maintenance. We look after internal promotion, incentivised invitations, student nurturing, and employee engagement.

You only need to provide us with an employee contact list, and an initiative announcement date and we’re good to go.

Despite how busy you are you may want to involve yourself in the process. Our communication with your team needs to meet your expectations. You'll receive an onboarding email sequence demo with time to comment before we press go.

You’re invited to make suggestions and provide feedback on the tone of voice and frequency of emails. We will do our best to tailor the messages to align with the cultural nuances of your business.

We can also have one of our team connect with your individual team members by telephone or Zoom. We're experts at guiding you and your team to get the best out of DIY financial wellbeing. We'll ensure they’re aware of the initiative, answer any of their questions, and offer live support.

Expect regular account check-ins and ongoing project management from our team during and after onboarding.

Not every employee has the need or time to join a financial wellbeing programme from the get-go. They work through the content at their own pace and only start using the tools and training when they’re ready.

To maintain internal promotion, onboarding, engagement, and a diverse inclusive level of support our pricing is based on:

A rolling twelve-month commitment window
Headcount at the beginning of each term
Business type average adoption rates
Extent of 1-2-1 support uptake

We achieve predictable budgeting through a monthly charge per headcount. The fee is payable in advance monthly or yearly up-front with a significant discount. This serves to further increase affordability and budget compliance.

To accommodate diversity and inclusion we offer the following:

Enhanced privacy and confidentiality bolt-ons:

First-come-first-served private 1-2-1 Flowcasting™ clinics
Ad-hoc 1-2-1 training and coaching session packages

We tailor and price these optional extras to meet your specific needs.

Flowcasting™ initiatives are standalone yet complementary.

They’re designed to amplify the impact of any other financial wellbeing initiatives.

Knowing where you stand financially now, today is only a small piece of the money puzzle. That’s why we’re focussed on and dedicated to developing the seer-like platforms, solutions, and programmes we’re now offering.

When you can see your money future clearly things change, significantly.

You escape the debilitating option paralysis of not knowing.

You steadily Transition to making more informed, timely, and contextually considered choices. With greater clarity, certainty, confidence, and control.

Look at the compounding effect of your Money Map (behaviours and habits) across time. You'll see the impact your decision-making has on your financial future. For good or bad it is inescapable. You'll find yourself compelled to change how you proactively manage your money for the better.

You’ll start logging personal spending, tracking household budgets, and changing unhelpful habits. Not because you should, but because you understand and appreciate the benefits of doing so. You'll expand and refine your evolving Money Map simply because you want to.

Flowcasting™ is the art, craft, and practice of consistently creating your day-to-day financial roadmap. It empowers you to see where you are now and where you’re heading financially. It underpins and strengthens every other aspect of basic or advanced personal money management strategies.

That’s why it’s foundational, foresight-first, forward-looking, and vision-led.

Our tools don't rely on up-to-date historical data. You purposefully don't need to connect them to any other applications, software, systems or banks.

You no longer need a financial advisor to be poised and ready for any undesirable or unexpected economic events that unfold.