We are officially a month into the new year. The initial reset has happened, goals are set, and now comes the real work of keeping momentum going.

February is about getting more specific. Once you understand where your financial wellness strategy stands, the next step is understanding who your employees are and what is actually causing financial stress across your workforce.

Different life stages, pay levels, family responsibilities, and debt realities all shape how employees experience money. A one size fits all approach rarely works. February is your opportunity to dig into the data, listen more closely, and start tailoring support in ways that feel relevant and supportive.

This month’s resources are designed to help you better understand employee stress points and use real insights to guide smarter, more inclusive financial wellness decisions.

What February Is All About

In February, the focus is on:

• Analyzing employee demographics and financial stress patterns
• Identifying key stressors impacting different groups across your workforce
• Using employee data to inform more personalized financial wellness programs

This is not about creating separate programs for everyone. It is about designing support that reflects the reality of your people.

February Resources to Explore

• Financial Stress: The Unseen Crisis Affecting Your Workforce

Financial stress often shows up quietly. This resource breaks down how money stress impacts mental health, productivity, and performance at work, and why it deserves attention alongside other wellbeing priorities.

• 5 Shocking Facts About Your Employees’ Finances

Sometimes the data tells a different story than assumptions. This resource highlights real financial challenges employees are facing today and helps HR teams better target support where it is needed most.

• Deloitte Research Report: Financial Wellbeing in the Workplace

Deloitte’s research shows how financial stress varies across employee groups and why tailored approaches matter. It offers practical insights HR teams can use to build more inclusive and effective financial wellness strategies.

How This Fits Into the Bigger Picture

February builds directly on the foundation set in January. Instead of guessing what employees need, this is the month to use data and insights to guide your next steps.

To make planning easier, we created a full Financial Wellness Calendar you can download and use as a practical roadmap for the year ahead. It includes monthly focus areas, strategic guidance for HR and benefits teams, and a flexible framework you can adapt to your workforce.

Keep the new year momentum going this February and ensure your financial wellness strategy reflects the real needs of your people.

Download the full Financial Wellness Calendar and plan your year with confidence.