New solution: Benefits-Aware Financial Guidance
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Benefits-Aware Financial Guidance
Intuitive, personalized financial guidance from AI that understands your benefits ecosystem.
Our Benefits-Aware Financial Guidance solution connects to an employee’s full financial picture, including the benefits you offer, and helps them understand and act on what’s available to them — across every stage of their financial life.
It’s time to close the benefits utilization gap
Employees don’t experience their finances in tidy categories. Each decision affects the next, across both sides of the balance sheet — but nothing connects those dots, so employees make choices in isolation and benefits go underutilized.
The answer isn’t more benefits. It’s connective tissue across the stack you’ve already built. Candidly delivers AI-native financial guidance grounded in each employee’s real financial data and the benefits you offer, in real time and at any scale — so what you fund gets used, and fewer one-off questions land on HR.
Turn unused benefits into value
1 in 3 employees enrolled in a high-deductible health plan never open the HSA they’re eligible for, and 34% leave free 401(k) match dollars unclaimed every year.1
Streamline benefits Q&A
45% of employees say they don’t fully understand their benefits, and 54% wish they had personalized benefits recommendations.2
Cut the hidden cost of financial stress
Financially stressed employees cost U.S. employers an estimated $250 billion in lost productivity every year.3
Inside the experience
Approachable, dynamic interface
Financial guidance is delivered through Cait™, our Conversational AI Tool. Employees can ask Cait questions through text or voice and get instant answers tailored to their own financial goals — so they can make more informed decisions on everything from retirement to debt to daily cash flow.
Intelligent personalization
Every step is tailored, using insights from payroll, benefits enrollment, and employees’ own records. Cait also remembers past activity to personalize users’ experience even more over time.
Interactive visualizations
Pinnable, in-chat artifacts help users forecast progress, compare options, and understand processes.
Smart dashboards
Users can work with Cait to build custom dashboards that visualize goals and track changes over time.
Note: Videos on this page are illustrative examples of user experiences Candidly solutions are designed to power. Actual functionality and appearance may vary depending on configuration.
AI-native guidance that connects the dots between your benefits ecosystem and employees' financial lives
Organizations can mix and match financial guidance capabilities to build the experience that’s right for their workforce — each one delivering guidance on their existing benefits ecosystem and employees’ own accounts. Expand that guidance over time with new capabilities and sponsored benefit solutions from Candidly.
Understand benefits
Benefits intelligence
Navigate education costs
Student debt
College planning
Manage daily finances
Budgeting
Account guidance
Debt management
Build for the future
Retirement planning
Employer equity plans
Invest America accounts
AI you can put in front of your people
Employees are already asking general-purpose AI about their money. We built our solutions so they don’t have to settle for answers that aren’t grounded in their actual finances — or protected the way their data should be.
Responsible safeguards
Guidance stays within defined boundaries and is designed to trace back to auditable sources.
Verifiable by design
Critical calculations take into consideration your program design, and run on deterministic logic — not probabilistic generation.
Bank-grade security
Data is protected to standards the largest financial institutions have already cleared: SOC 2 Type I & II compliant, NIST 800-53 Rev. 5 aligned, and deployable on-prem.
Ready to learn more?
Learn what Candidly can do for your organization. Schedule a call with our team to get started.
Do you receive Candidly as a benefit from your employer?
Follow the link or contact your benefits administrator to gain access to the Candidly platform. For more assistance, please contact help@getcandidly.com.
1 JAMA Network Open (2020); Vanguard, “How America Saves.”
2 NAPA, “Why It’s Critical for Employees to Understand Their Benefits Packages; MetLife, “2023 Employee Benefit Trends Study”
3 Willis Towers Watson, “Global Benefits Attitudes Survey”