78% of Americans are living paycheck to paycheck, 43% of student loan borrowers are not making payments and nearly half of all employees can’t cover a $400 emergency. In an effort to help employees understand and improve their personal financial health, many plan sponsors and their advisors are turning to workplace financial wellness programs. Phyllis Klein is a senior director at Captrust Financial Advisors, a firm that specializes in institutional advisory work.  In this episode, Phyllis discusses the benefits and challenges of helping employers implement financial wellness programs for their employees. For full show notes and links mentioned in this episode, visit http://bmogam.com/betterconversations.