Support Employee Financial Wellbeing Without Adding Another Program For HR To Manage
3Nickels helps employees understand how their financial decisions fit together and what to do next, reducing financial stress that often shows up as a distraction, absenteeism, and workplace pressure.
A Benefit That Actually Gets Used
Most financial wellness programs create more work for HR or require employees to take initiative they never take.
3Nickels is designed differently.
Minimal HR involvement
Implementation, onboarding, employee communications, and engagement support can be handled for you. Most HR teams spend about 15 minutes per week managing the program.
No additional cost for employees
Core tools and guidance are available to all employees at no charge, removing cost as a barrier to participation.
Lower friction, higher adoption
Employees can get immediate answers to common financial questions on their own, reducing hesitation and increasing engagement.
Reduced support burden on HR
Employees explore options independently, which means fewer reactive questions, fewer escalations, and less time spent fielding financial concerns.
Safer first step for employees who need help
People can engage privately and at their own pace, lowering emotional resistance and preventing financial stress from turning into workplace issues.
When Employees Have Financial Clarity, Organizations See Improvement In
Lower financial stress across the workforce
Fewer crisis-driven HR conversations
Higher employee focus and productivity
Better utilization of existing benefits
Stronger retention and workplace stability
Built to Reduce Risk for HR
Introducing a new benefit often creates legitimate concerns.
Built to Reduce Risk for HR
Introducing a new benefit often creates legitimate concerns.
3Nickels is designed to remove those risks:
Adoption Risk
Employees engage privately at their own pace, which significantly improves participation.
Operational Risk
The Program runs end-to-end with GuidedChoice managing onboarding, engagement, and support.
Vendor Conduct
3Nickels does not sell financial products to employees or steer them toward debt or investments.
Privacy and IT Risk
We do not sell, reveal or share any personal information with third parties, including the employer. We will not monitor, edit, or disclose data except to our service providers for purposes of app functionality or required to do so by law.
Giving You Support Without Any Extra Additional Complexity.
If you’re exploring ways to support employee wellbeing without adding operational complexity, we’d be happy to walk you through how your organization can benefit from 3Nickels.
Giving You Support Without Any Extra Additional Complexity.
If you’re exploring ways to support employee wellbeing without adding operational complexity, we’d be happy to walk you through how your organization can benefit from 3Nickels.