The 4% Problem: Fixing Financial Wellness | Liz Davidson and Todd Lacey| Decoding Growth | EP 105
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The 4% Problem: Fixing Financial Wellness | Liz Davidson and Todd Lacey| Decoding Growth | EP 105
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このコンテンツについて
Financial wellness pioneer Liz Davidson, founder of Financial Finesse, and president Todd Lacey join Lisa Kottler and Will Prest to decode the most misunderstood category in workplace retirement.
With 15 companies on their tech map but countless definitions, they explore what financial wellness really means, why only 4% of people are truly "financially well," and how the industry must shift from product-first to participant-first thinking.
Learn why healthcare claims drop 19% without coaching, how AI is enabling true personalization, and why speaking in English (not industry jargon) might be retirement's biggest innovation opportunity.
CHAPTERS:
0:00 Introduction & The Retirement Tech Map
3:15 Defining Financial Wellness
8:45 Todd's Journey to Financial Finesse
12:30 The Unbiased Coaching Model
17:20 Measuring Success: Healthcare Claims Data
23:45 Beyond the 401(k): Breaking Down Silos
29:10 Platform vs. Point Solutions
34:25 Personalization & AI Innovation
40:15 Evaluating Financial Wellness Providers
46:30 The Engagement Challenge
51:40 Starting with the End User
56:20 Speaking English: The Innovation Gap