Nava + Origin: financial wellness for every employee

73% of Americans rank finances as their number one source of stress. That’s a powerful insight and one of the driving reasons that we're so excited to announce Origin as our newest Preferred Partner. Starting today, Nava clients now have access to Origin, the leading financial wellness solution at preferred pricing with turn-key onboarding and support. Origin empowers your employees to take control of their financial future with a dedicated financial planner, spend tracking and budgeting, tax filing, investing, and estate planning, all in an easy-to-use platform. Their mission to democratize financial wellness aligns with Nava’s, as financial wellness and healthcare are deeply intertwined. According to KFF, 41% of Americans have medical debt. Healthcare is a financial problem, and your employees need better support. 

Why financial wellness is a must-have employee benefit

Financial stress doesn’t just stay at home—it follows employees to work. Employees spend up to three hours a week worrying about money during work hours, leading to distractions and absenteeism.   

Financial stress is also a key driver of turnover. Employees are twice as likely to leave a company if they’re financially stressed. This creates a significant challenge for retention, but it also presents an opportunity. Offering a financial wellness program isn’t just about helping employees manage their money better—it’s about creating a more engaged, productive, and loyal workforce. In fact, 60% of employers report that financial wellness programs improve retention, and 82% say financial support programs increase their loyalty to the company.

As we work through a complex renewal season with our clients, it’s clear that financial wellness is no longer a “nice-to-have”—it’s a must-have. By offering a comprehensive financial wellness solution, HR teams can directly address a root cause of employee stress to drive retention and engagement.  

Why we chose to partner with Origin for financial wellness

Traditional benefits like 401(k)s, EAPs, and generic financial checkups no longer meet the growing financial challenges of employees. As debt, living costs, and financial uncertainty rise, employees need modern, holistic and personalized financial wellness solutions—ones that evolve with their needs and go beyond retirement savings.

Origin is serious about delivering financial wellness for every employee, everywhere. They empower employees to take control of their financial future, with expert financial guidance at every step of the way —enabling them to track, invest, get advice, and safeguard assets, all in one platform. We love how comprehensive it is while being incredibly easy to use. 

Origin’s holistic solution includes:

• Dedicated Financial Planner: Certified Financial Planner™ for expert guidance.
• Saving & Budgeting: Track income, net worth, and expenses. Origin’s budgeting/spending platform was recognized by Forbes magazine as the #1 budgeting app in America in 2024.
• Global Coverage: Over 52 countries with access to local planners, education, etc.
• Real-Time Guidance: AI-powered assistance for answering financial questions.
• Enhanced Investing: Automated index investing, stock bundles, and a high-yield Cash Account. Plus, portfolio monitoring.
• Tax Filing: File your taxes stress-free right in Origin. 
• Estate Planning: Complete estate planning, including trusts and wills.
• Equity as Compensation: For companies who offer equity to employees, Origin supports education, equity simulators, and guidance around vesting schedules, exercising options, and putting an action plan together. 

When employees feel financially secure, they’re more engaged, loyal, and productive, ultimately driving better outcomes for the company as a whole.

Personalized and continuous financial guidance for your employees

While traditional benefits like 401(k)s remain valuable, they no longer address the full spectrum of today’s financial challenges. Employees need more than just retirement savings—they require personalized, actionable advice to help manage everything from day-to-day budgets to high-deductible health plans to stock options and debt repayment. Origin meets this need by offering access to Certified Financial Planners® who provide tailored insights based on each employee’s unique financial situation.

What truly sets Origin apart is its continuous, adaptable support. Financial needs evolve over time, whether it’s navigating significant life changes like buying a home, creating an emergency fund, saving for children’s education, or planning for retirement. Origin’s comprehensive platform ensures employees have the tools and guidance they need at every stage—from budgeting and saving to estate planning and tax filing.

“Origin has revolutionized our benefits approach, and the high engagement is a testament to its impact. Our employees now access expert financial guidance through 1:1 planner meetings and the robust product.”

— Kristen Jordan, Benefits and Wellness Manager, Chime*

“My financial planner is incredible. I couldn't ask for a better planner and am blown away by the high quality of their services.”

— Emily Karrkaitio, Modern Health*

This all-in-one approach alleviates the mental load of financial stress, empowering employees to make well-informed decisions without the overwhelm of juggling multiple systems or advisors. By providing consistent, personalized support, Origin fosters a sense of financial control and confidence, benefiting both employees and their employers.

The ROI of financial wellness as an employee benefit

When it comes to investing in employee benefits, the return on investment (ROI) is crucial. Financial wellness programs like Origin don't just enhance employee well-being—they drive real business results. Companies using Origin have reported a 68% reduction in attrition among financially stressed employees, significantly cutting recruiting and onboarding costs. Additionally, employees using Origin have seen a 42% increase in 401(k) contributions and a 23% increase in HSA contributions, reflecting proactive financial behavior. By reducing financial stress, companies have saved millions in lost productivity, with employees reclaiming up to 3 hours per week that were previously spent managing personal finances during work hours.

Our Preferred Partnerships Program amplifies these advantages for Nava clients with exclusive contracting (no size minimums) and exceptional savings that we pass directly to you. By partnering with best-in-class providers like Origin, Nava ensures your business gains access to top-tier financial wellness programs that might otherwise be overlooked. And because Nava’s solutions are designed to be flexible and scalable, businesses of any size can benefit from innovative employee offerings, without the complexities of managing them.

Seamless onboarding and year-round support: the Nava technology advantage

What sets our partnership with Origin apart is the way we’ve streamlined the onboarding process for busy HR teams. Rather than dealing with the typical lengthy negotiations and complex contracts, Origin and Nava deliver a seamless experience from start to finish. Once in place, our Nava experts handle efficient employee onboarding through a tailored integration between Origin and the Nava platform, allowing your employees to access financial wellness benefits with ease. Beyond that, ongoing support is available through the Nava Benefits App, offering exceptional employee assistance at every step.

This partnership is all about providing exceptional financial wellness benefits that your employees will value, while also easing the burden on HR. You won’t have to worry about minimum requirements or how to communicate these new benefits to your team—we’ll handle everything, every step of the way.

What’s next

​​Our partnership with Origin represents a step toward transforming employee financial wellness for small and mid-sized employers everywhere by offering personalized, actionable financial guidance and tools. Employees don’t just manage their money—they gain the freedom to build brighter futures. We’re excited to see how Origin will empower your employees to take control of their financial futures, driving lasting impact both in and out of the workplace.

As we grow our Preferred Partnerships Program, we're committed to bringing the best benefits to Nava clients at exceptional pricing with turnkey onboarding and support. 

Follow along as we announce new partners, share more details, and continue to help growing teams provide amazing benefits to their employees.

Ready to elevate your benefits offering and save money at the same time? Get in touch to learn more about how Nava + Origin can help your employees.

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*Origin has also received testimonials from actual clients and users of Origin, which it presents in advertisements from time to time. These clients have not been compensated for their testimonials. The experiences and opinions expressed are their own and may not be representative of the experiences of all clients. Individual results may vary. While no compensation was provided, a conflict of interest may still exist.

Chime and Modern Health are current clients of Origin. No cash or non-cash compensation was provided for Chime and Modern Health's testimonials or endorsement, and as such, there are no material terms of any cash compensation arrangement to disclose. A conflict of interest exists between Chime and Modern Health and Origin because there is an incentive for Origin to provide the client preferential treatment for providing the testimonial.