The Modern Savings Platform | Vestwell
Emergency Savings
For Advisors
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Expand your offering and meet the diverse needs of your clients for both long-term and short-term financial goals by adding Vestwell’s emergency savings account (ESA) to your benefits portfolio.
Deliver holistic benefits for short- and long-term savings
Vestwell’s platform is built to integrate an ESA alongside retirement, education, and other benefits—in one place, on one unified portal, presenting you with a seamless cross-sell opportunity.
Scale your value to more clients
Drive deeper client relationships and expand your financial wellness toolkit to reach new business with a comprehensive benefits strategy. From setup to ongoing service, Vestwell handles all the administration and operations—you just need to start the client conversation.
Reduce retirement plan leakage
Vestwell’s ESA reduces the need for retirement loans and withdrawals and keeps more assets within the plan—meaning more funds towards investments that earn advisory fees. Boost retirement plan health and encourage smart savings habits, reflecting positively on your advisory impact.
Limited Time Bundle
Give your retirement offering a built-in boost with Vestwell’s no-cost ESA.
Vestwell retirement plans include an ESA at no cost for employees and your clients. Employees can activate their ESA directly from their retirement dashboard to save for the unexpected, while keeping retirement funds secure for the future. This built-in ESA is hands-off for employers and has no extra fee—helping your retirement offering go further for your clients with no added lift.
For clients seeking additional ESA features such as paycheck deductions and employer contributions, our premium ESA upgrade offers more robust options for a fee.
Learn more about the no-cost ESA Book a call
Learning Center
A complimentary, integrated library of financial wellness resources and interactive learning modules on foundational topics, from budgeting to saving for a home to planning for milestones.
Mobile App
Employees can manage their account and savings on the go with the Vestwell mobile app. They can set contributions, adjust account details, and track progress anytime, anywhere.
Differentiate your practice with a financial-wellness focus.
With 38% of Americans unable to cover a $1,000 emergency, clients and their employees seek benefits that build financial security for today and tomorrow. Vestwell’s ESA can help you meet rising demand for holistic benefits and expand your book of business to clients at all stages of their financial journey.
- 29% of workers have no emergency savings.
- 50% of workers would be more likely to stay at a job if an emergency savings account was available.
- ~70% of employees would be interested in an employer-sponsored emergency savings account if offered.
Elevate your offering with emergency savings.
Vestwell makes it easy to embed ESAs into your offering—helping clients meet today’s needs while supporting long-term outcomes.
FAQs
Can I offer the ESA alongside any retirement plan?
Yes! Vestwell’s ESA is available to clients who offer retirement plans on our platform and integrates seamlessly with existing Vestwell benefits, or as a standalone savings solution.
How are employee contributions made?
Employees can contribute automatically via payroll deduction or by linking a personal bank account, depending on the type of Vestwell emergency savings account offered by their employer.
Can employers match ESA contributions?
Employer contributions and participation incentives are optional and customizable, including sign-up bonuses, matching contributions, and savings milestone rewards for employers who adopt Vestwell’s premium ESA offering.
Do I need to manage the onboarding process?
No. Vestwell handles implementation, employee education, and ongoing support, so you can focus on building lasting relationships and scaling your book of business.
Can I offer an ESA without bundling it with a 401(k)?
Yes, Vestwell’s ESA can be offered as a standalone benefit or alongside a Vestwell-managed retirement plan or other savings account. However, bundling typically offers the best value for both you and your clients.