Rapid City, South Dakota

Employee Financial Wellness Benefits for Rapid City Businesses

Your team has benefits they're not using. FundWise bridges the gap between what you offer and what your employees actually understand — through live, locally-led financial education.

The Problem

The Benefits Gap Is Costing Your Employees — and You

Most Rapid City employers offer real benefits: 401(k) matching, HSA contributions, health insurance, FSAs. You're paying for all of it. But the research is clear: employees don't understand what they have. They leave 401(k) match money on the table. They don't know how to use their HSA. They don't read their pay stubs accurately.

This isn't a motivation problem — it's a literacy problem. And it has a direct cost in turnover, absenteeism, and benefits waste.

What You're Paying For
  • 401(k) match programs
  • HSA employer contributions
  • Health and dental insurance
  • FSA accounts
  • Voluntary benefit plans
What Employees Actually Understand
  • How much of their match they're capturing
  • How to use their HSA for real savings
  • What their pay stub deductions actually mean
  • How to calculate their real take-home pay
  • Whether they're over- or under-insured
28% of small and mid-sized businesses offer no financial wellness benefit of any kind — leaving their employees to figure out benefits, budgeting, and retirement planning on their own. If that sounds like your organization, you're not alone. And there's a straightforward fix.

The Curriculum

What Your Employees Learn in FundWise Sessions

FundWise covers six core curriculum modules, each designed to be immediately applicable — not abstract theory. Every session is live, facilitated, and responsive to the specific questions your team brings.

1
Understanding Your Benefits
HSA vs. FSA, 401(k) match mechanics, how insurance actually works, reading an EOB statement. Employees leave knowing what they're already paying for.
2
Managing Financial Stress
The psychology of financial stress, how it shows up at work, practical coping and prioritization strategies that actually work under pressure.
3
Tackling Debt
Credit score basics, debt prioritization (avalanche vs. snowball), how to negotiate with lenders, and when to seek help. No products, no sales.
4
Building Savings
Emergency funds, sinking funds for irregular expenses, and retirement savings strategy — practical steps for workers at every income level.
5
Budgeting for Variable Income
Zero-based budgeting, managing feast-and-famine income cycles, and planning for seasonal or gig-elastic work patterns common in the Black Hills.
6
Family Financial Planning
Multi-generational financial conversations, teaching kids about money, protecting against financial fraud, and making big purchase decisions.

The Process

How FundWise Works for Your Rapid City Business

FundWise is designed to be zero-logistics for you. We handle scheduling, content delivery, and follow-up materials. Your only job is to give your employees the time to show up.

1
Book a free discovery call
We learn about your team size, benefits package, and goals. If FundWise is a fit, we put together a custom proposal — typically within 24 hours.
2
Choose your format and cadence
Pick quarterly or monthly sessions, in-person or Zoom. We set the schedule and handle all logistics — you just communicate the calendar invite to your team.
3
Employees attend live — or watch the recording
Sessions run during work hours or after — your call. Employees who can't attend live get access to the recording and our async curriculum library at no extra charge.
4
We track engagement and follow up
Attendance, follow-up resources, and 1-on-1 coaching uptake are tracked. You get a simple annual report showing what was delivered and how it landed.
In-person at your Rapid City workplace
Live over Zoom — works for remote or hybrid teams
Quarterly (4 sessions/yr) or Monthly (12 sessions/yr)

The Business Case

What Financial Wellness Actually Returns

The data on financial wellness programs is consistent across SHRM, PwC, and the Financial Health Network. The question isn't whether financial wellness works — it's whether your team can afford to keep operating without it.

$4,257
per employee per year — estimated productivity cost of unmanaged financial stress
PwC Employee Financial Wellness Survey, annual
28%
reduction in employee turnover for organizations with structured financial wellness programs
SHRM Employee Benefits Survey
3:1
median ROI reported by employers with formal financial wellness programs
Financial Health Network Employer Research
100%
of FundWise sessions include all employees — no per-head fees, flat annual pricing
FundWise pricing — no hidden costs

Calculate your team's ROI →

Explore FundWise

Curriculum Industries We Serve Resources & FAQ ROI Calculator Book a Discovery Call Download Sales Sheet

Related Pages

Financial Coaching for South Dakota
AFC®-certified financial coaching for South Dakota employers. Based in Rapid City, serving the Black Hills and statewide.
AFC® Financial Counselor in Rapid City
Meet Tanner Oman, AFC® — Accredited Financial Counselor helping Black Hills businesses build financially confident teams.

Frequently Asked Questions

Yes — FundWise is built specifically for businesses with 5–50 employees. Flat annual pricing ($2,999/yr quarterly, $4,999/yr monthly), no per-employee fees. Every employee is included, regardless of headcount.
PwC research puts the cost of employee financial stress at $4,257/employee/year in lost productivity. SHRM data shows organizations with financial wellness programs see 28% lower turnover. FundWise's ROI calculator lets you model your specific team's savings at fundwise-0e1u.polsia.app/roi.
Sessions are available to all employees. Participation is voluntary, but attendance is typically high because the content is immediately useful — employees see how it connects to their pay stub, their benefits, and their budget the very next week. Recordings and async content are available for anyone who can't attend live.
Yes — optional 1-on-1 coaching is available as an add-on. Sessions are private, tailored to the individual's situation, and can be employer-sponsored or employee self-paid. Contact us for pricing on the coaching add-on.

Give Your Employees the Benefit They Actually Need

Book a free 20-minute discovery call. We'll show you exactly what FundWise would look like for your Rapid City team — no contracts, no pressure, just honest answers.

Book a Discovery Call See Pricing Calculate Your ROI