Your BIGGEST Compliance Risk?
It's the one you're probably not tracking!
Your firm has robust risk management frameworks.
📌 You run compliance checks, regulatory training, and audits.📌 You uphold the FCA’s Fit & Proper requirements.📌 You have strict ethical and professional standards.
But there’s one risk you’re not tracking—because it’s hidden in plain sight.
Financial stress among your high-performing professionals.
And here’s why that should concern you:
Financial wellbeing isn’t a perk. It’s a risk strategy.
🚨 It won’t be flagged until it’s too late. 🚨 It directly impacts decision-making, performance, and ethics. 🚨 It’s a silent but serious risk to your firm’s reputation.
72% of employees experiencing financial stress say it impacts their work performance. (PwC, 2023)
Your best people won’t tell you there’s a problem - and it's the risk you're just not seeing.
In regulated industries, financial stress isn’t just a personal issue - it’s a career-ending one.
✔ They won’t disclose financial struggles because of the risk to their reputation and career. ✔ They won’t seek help internally because they know what’s at stake. ✔ By the time you notice performance issues, it’s already too late.
This is why high performers can be your biggest compliance blind spot.
Financially stressed employees lose 3-4 hours per week to money worries—impacting productivity and decision-making. (CIPD, 2022)
⚠️ The FCA, "Fit & Proper" Tests, & Regulatory Risk - The FCA is Watching. Are You?⚠️
The FCA’s Fit & Proper requirements make it clear: financial difficulties can impact an individual’s ability to perform their role.
📌 Financial stress can lead to regulatory breaches, poor judgment, and ethical lapses.📌 The pressure to keep up appearances can drive professionals into risky financial behaviors.📌 Mistakes caused by stress can cost firms millions—and their reputation.
A 2023 study found that financial stress increases the likelihood of ethical lapses and compliance breaches due to poor decision-making under pressure. (Harvard Business Review, 2023)
Yet, most firms have no financial wellbeing strategy in place for their senior professionals.
This is where proactive firms gain a competitive edge.
Our 4-Ex Method provides a Compliance Driven Approach to Financial Wellbeing
Unlike generic financial wellbeing programmes, The 4-Ex Method is designed specifically for high earning and high performing professionals in regulated & professional industries.
Expose – Identify the hidden patterns & pressures impacting financial wellbeing.
Examine – Unpack triggers, habits & behaviours that create financial risk.
Expel – Remove financial myths, break cycles, and rewire decision-making.
Expand – Build financial resilience that supports long-term security & compliance.
Firms that integrate financial wellbeing into their risk management see 21% higher employee retention and 31% fewer compliance-related issues. (Deloitte, 2023)
This is not just another budgeting course. This is a risk-aligned, compliance-driven strategy designed to protect your people, your firm, and your reputation.
Why Work With Us?
Every programme we create is designed to meet the unique needs of your organisation and your people. And the financial services and legal industries are high up there with the levels of regulation and professional standards that form an integral part of everyday work life.
These standards bring challenges of their own - for the leadership team, and for the colleagues, whether front or back office.
We consult with HR leaders, compliance officers, and senior teams to understand your goals, challenges, and employee demographics.
Together, we’ll build a financial wellbeing programme that drives engagement, reduces financial stress, and improves both personal and professional outcomes.
Ready to Start?
Whether you're a global corporation or a family-run business, if compliance and risk are a focus for you, we’re here to help your teams thrive.
Take Action Before the Risk Becomes a Reality
💡 "This is a risk you can’t afford to ignore. Let’s fix it now."
📌 Option 1: Book a Compliance & Financial Wellbeing Risk Audit →
Assess the current gaps in your firm’s financial wellbeing strategy.
📌 Option 2: Corporate Financial Wellbeing Programmes
→
Tailored solutions to integrate financial wellbeing into your risk & compliance strategy.
📌 Option 3: 1:1 Confidential Support for Senior Professionals →
For firms serious about protecting their highest-performing talent.
More reasons to make financial wellbeing part of your risk strategy:
Your Return on investment
💡 Employee turnover due to financial stress costs UK firms £1.56 billion per year. (Neyber, 2022)
Firms that address financial wellbeing before it becomes a compliance issue will be ahead of the curve.
Those that don’t? They’ll be dealing with the fallout.
Reducing your risk, will save you ££ AND reputation.
Protect Your People. Protect Your Firm. Protect Your Reputation. Specialist Financial Wellbeing:
📌 Reduces human error risks linked to financial stress.
📌 Enhances ethical decision-making by eliminating financial pressure as a driver.
📌 Boosts retention & performance—because high performers under stress won’t stay.
📌 Strengthens your compliance strategy by addressing financial wellbeing proactively.
No Conflict of Interest - Work with us with confidence.
Specialist Financial Wellbeing from The Financial Wellbeing Academy does NOT take the place of your existing financial advice provision, if you have it.
Neither does it interfere with your other wellbeing or L&D provision.
Instead, this work enhances the work being done elsewhere - meaning you get an even better return on your investment and greater impact for your employees.
Kim Uzzell, Chartered Fellow CISI and Founder of The Financial Wellbeing Academy.
With a Legal, Investment and Wealth Management career spanning 35 years, coupled with almost 20 years’ experience in coaching, mentoring and teaching and decades of “real life” money stuff to deal with along the way, Kim left her regulated career during the Pandemic, to focus on supporting a wider number of people with recognising and effectively dealing with their financial stresses.
Regardless of age, salary bracket or geographic location, money worries can affect any one at any time - whether it’s the impact of rising interest rates or the effects of a relationship breakdown, Kim knows no one is immune.
Having worked in regulated spaces, she understands the unique challenges this brings for organisations and individuals alike.
Introducing Kim Uzzell, Chartered Fellow of the CISI & Founder of The Financial Wellbeing Academy.
With a Legal, Investment and Wealth Management career spanning 35 years, coupled with almost 20 years’ experience in coaching, mentoring and teaching and decades of “real life” money stuff to deal with along the way, Kim left her regulated career during the Pandemic, to focus on supporting a wider number of people with recognising and effectively dealing with their financial stresses.
Regardless of age, salary bracket or geographic location, money worries can affect any one at any time - whether it’s the impact of rising interest rates or the effects of a relationship breakdown, Kim knows no one is immune.
Having worked in regulated spaces, she understands the unique challenges this brings for organisations and individuals alike.
Not sure what YOUR organisation needs? Book a free Financial Fix Wellbeing Audit today.
Improving Workplace Culture
We spend such a large proportion of our time at work, and we don’t want to be replacing money stress at home with money stress at work. We discuss the ways in which you can create a culture of financial safety and security around money, with a goal of eliminating fear and judgement.
Impactful Beyond the Workplace
Financial confidence doesn’t just benefit people at work -
it leads to better conversations around money at home and in the community for the next generation to become financially resilient too - the ripple effect is huge!
More Impactful than a Pay Increase
You may feel under pressure to raise salaries, but the reality is that this is often a quick fix, that is soon lost through increased spending. By supporting your staff in having a better relationship with their money, easier conversations and more effective money management, the need for extra money is reduced.
Effective signposting to debt support or other specialist areas can mean a quicker resolution and sustainable reduction in money stresses.
No Conflict of Interest
Introducing dedicated Financial Wellbeing does not take the place of your existing financial advice provision, if you have it. Neither does it interfere with your other wellbeing or L&D provision.
Instead, this work enhances the work being done elsewhere - meaning you get an even better return and greater impact for your employees.