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Your Money Line (YML)

Paid
financial wellnessemployee benefitshr techpersonal financefinancial coachingdebt managementbudgetingemployee engagementfintech

Your Money Line is an employer-provided financial wellness benefit offering employees confidential, unlimited, and personalized access to accredited financial guides and a robust suite of digital tools to improve financial stability.

Try it out

Your Money Line provides a comprehensive financial wellness benefit for companies to offer their employees. The service grants workers unlimited, confidential access to a team of accredited financial experts for personalized guidance on budgeting, debt, retirement, and more. This human support is complemented by a digital platform featuring a personal dashboard, educational resources, and financial calculators. Unlike purely automated fintech apps, YML's core value proposition is its human-centric approach, which aims to tangibly reduce employee financial stress and thereby increase workplace productivity and retention. It is designed for organizations that want to invest in their employees' total well-being as a strategic business initiative.

Pros

  • Provides unlimited, confidential 1-on-1 access to accredited financial professionals (CFP®, AFC®).
  • Human-centric approach combines expert guidance with a user-friendly digital platform.
  • Aims to directly improve key business metrics like employee retention and productivity by reducing financial stress.
  • Covers a wide range of personal finance topics beyond just retirement investing.
  • Platform and marketing materials can be co-branded to align with the employer's corporate identity.

Cons

  • Pricing is not transparent and requires engaging with the sales team for a custom quote.
  • The service is exclusively B2B, so individuals cannot purchase it for themselves.
  • The program's overall effectiveness is highly dependent on employee adoption and active engagement.
  • Focuses on financial guidance and education, not direct wealth management or loan products.

Key features

  • Unlimited access to confidential financial guidance sessions.
  • Personalized financial dashboard and stability score.
  • Access to a library of educational articles, webinars, and videos.
  • Financial calculators for loans, retirement, and budgeting.
  • Anonymized engagement and reporting analytics for HR teams.
  • Promotional marketing kit for internal program launch.

Integrations

Single Sign-On (SSO)HRIS SystemsPayroll ProvidersBenefits Administration Platforms

Target audience

HR leaders, benefits managers, and C-suite executives at mid-to-large sized companies seeking to improve employee wellness, retention, and productivity by offering a financial guidance benefit.

Ratings & Reviews

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Key Metrics

Founded

2017

Headquarters

Carmel, USA

Pricing Tiers

Corporate Plan

A custom plan for organizations that includes unlimited financial guidance for all employees, a digital platform with tools, real-time analytics for HR, and co-branded marketing materials. Pricing is typically calculated on a Per Employee Per Month (PEPM) basis.

Custom Quote

Frequently Asked Questions

Top Alternatives to Your Money Line (YML)

SmartDollar

A Ramsey Solutions product that offers a structured, step-by-step approach to finances, which may appeal to employers wanting a prescriptive program for debt elimination.

BrightPlan

BrightPlan provides a more digitally-focused platform that includes automated goal planning and robo-advising, making it a fit for tech-savvy workforces that prefer self-service tools.

Financial Finesse

As a long-standing leader in the space, Financial Finesse offers a highly scalable, AI-powered platform with financial coaching that suits large enterprises needing a proven, data-driven solution.

Origin

Origin combines access to Certified Financial Planners with a comprehensive platform that includes help with taxes and equity, positioning itself as a holistic money management solution.

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