Service · Employee Advice

Real advice. For the people behind the payslip.

Every employee at a client company gets access to one-on-one financial planning — for retirement, two-pot decisions, debt, insurance and the everyday money questions life keeps asking.

What it means

Most employees don't have a financial planner — they have Google. We change that. Every staff member at a client company can sit with a qualified Ember advisor to talk through their retirement number, their two-pot decision, their debt, their cover, and what to actually do next.

Who it helps

Employees about to make a two-pot withdrawal
Staff approaching retirement with no plan
New hires who've never had financial advice
Anyone in a major life change — marriage, kids, divorce, retrenchment

Common employee questions

Should I take money out of my two-pot?

Sometimes yes. Often no. We show you the tax cost, the long-term impact, and the alternatives — so the decision is yours, made with your eyes open.

Am I on track for retirement?

We run a projection based on your real numbers — current savings, contributions, time horizon — and tell you straight where you stand and what to change.

I'm drowning in debt. Where do I start?

We help you prioritise: what to pay first, where to consolidate, and how to build a buffer so you stop borrowing to live.

Employer outcomes

→Less financial stress in your workforce — fewer distracted, anxious staff
→Fewer payroll loans, advances and crisis withdrawals
→A retention story: 'every employee here has a financial planner'
→Better-prepared retirees who leave with dignity, not panic

Give your staff a financial planner — built into the package.

Show your team what one-on-one advice costs you (and earns you) per head per month.

Discuss employee advice