For many, finances can be the most stressful part of their lives. Having a plan and being prepared for the future, including the unexpected, is key to both financial and overall wellness.

A 2017 Employee Benefits Research Institute study found that 30 percent of workers worry about their personal finances at work. The same study also found that more than half of workers say that retirement planning programs would be helpful in increasing their productivity at work.

With the following four tips, employers can help address employee needs and assist them in becoming more financially secure.

1. Discover where financial concerns lie

One of the main concerns employees have is planning for retirement. According to EBRI, 30 percent of workers report that preparing for retirement causes them to feel mentally or emotionally stressed.

Employers and benefits professionals have a tremendous opportunity to help employees navigate financial challenges by offering a holistic wellness program that includes financial education programming, resources and support.

2. Education is key

When it comes to health care benefits, there is no “one size fits all” option. The key to assisting employees with their individual needs is helping them understand what benefits are available.

Offering easily accessible educational services, including one-on-one meetings, can help employees understand their options and how they work. Employers can also host larger educational sessions, wellness fairs and regular wellness screenings.

Read more: ​How to help employees plan for retirement and achieve financial wellness – The Business Journals