For Employers & Organizations
Theorem & Thrive delivers practical financial literacy programs directly to your workforce — structured around real life, not textbooks. Because an employee who understands their finances is a more present, focused, and committed employee.
Book a Discovery CallThe Business Case
Financial stress doesn't stay at home. It walks into your workplace every single day — and the data is clear about what that costs you.
Employees don't leave their financial worries at the door — and it shows up in performance.
of employees cite personal finances as their primary source of stress — more than health, relationships, or job concerns. U.S. employers lose an estimated $250 billion annually in stress-related lost productivity.
Time spent worrying about finances at work is time not spent on the job you hired them to do.
The average financially stressed employee spends 3.3 hours per week dealing with personal finances while at work. That's nearly a full workday every month — per employee.
Financial wellness benefits are now a top driver of employee loyalty and retention decisions.
of employees say financial wellness benefits are an important reason they remain with their employer. Replacing a single worker costs between 50%–200% of their annual salary in recruitment, training, and lost productivity.
Stressed employees use healthcare at higher rates — and that cost lands directly on your bottom line.
Employees experiencing high financial stress are 34% more likely to report poor health and utilize healthcare services more frequently. Stress-related claims drive up group plan costs for every employer on the plan.
Who We Serve
Theorem & Thrive programs are purpose-built around the real financial challenges your workforce faces — not generic content pulled from a general curriculum.
Owner-operators and their teams wear every hat — and financial clarity is what keeps the whole operation running. We help your people understand cash flow, saving, benefits, and building real security while working for themselves or a small team.
HVAC technicians, electricians, plumbers, oilfield workers, and construction crews earn real money — but often lack access to the financial guidance that matches their lives and work structure. Our trade-specific content speaks their language and addresses what actually matters to them.
Clinical staff are trained to care for others — but often lack the time or access to manage their own financial lives. We meet healthcare workers where they are, with scheduling-flexible delivery and content focused on the unique financial pressures they face.
Nonprofit employees are deeply committed to their mission — and often underpaid relative to market. Financial literacy helps your team stretch every dollar, manage student debt, and plan for a future that matches their dedication.
Large workforce, complex benefits, and a wide range of employee financial situations. Our programs deliver consistent financial literacy at scale — live, on-demand, or blended — with reporting to support your HR and wellness initiatives.
The Process
From first conversation to final session, we handle everything. You just provide the time and the team.
We start by learning about your workforce — their roles, their challenges, and what you need a program to accomplish. No obligation, no pitch deck.
We tailor the curriculum to your team, selecting from seven core modules and three flexible delivery formats — live group, on-demand, or blended.
Programs are delivered directly to your workforce on your schedule. We work around shift rotations, remote setups, and any operational constraints.
Let's Connect
The first step is a conversation — no pressure, no pitch. Just an honest look at whether Theorem & Thrive is the right fit for your team.
In 30 minutes, we'll talk about your workforce, your goals, and how a tailored financial literacy program could make a measurable difference for your organization.
Book a CallNo cost. No commitment. Just a conversation.