WEALTH at work

What WEALTH at work does

WEALTH at work is a UK-based, FCA-regulated financial wellbeing specialist that delivers workplace financial education, one-to-one guidance, regulated investment advice, retirement guidance, pension consolidation, and a Workplace ISA to employers, pension scheme trustees, and their employees. The company organises its offering around three specialisms, Financial Wellbeing, Pensions & Retirement, and Workplace Savings, and serves over 450 UK employers spanning energy, retail, telecommunications, education, healthcare, water, housing, credit reporting, and chemicals, with disclosed customers including Centrica, Kingfisher, BT Group, Drax, M&S, Coventry University, Haleon, Wave, Hyde, Experian, PMI, and INEOS.

The product portfolio combines human-delivered services with proprietary digital platforms. Core services include Financial Education (seminars, webcasts, animations, interactive tools), Employee Engagement (awareness campaigns with digital nudge technology via email and SMS), Financial Guidance (one-to-one clinics by video, telephone, or face-to-face), Retirement Guidance (one-to-one support, The Hub online portal, and the personalised Retirement Guidance Report), regulated Investment Advice, a Workplace ISA with payroll integration and ESG-rated fund options, and a Digital Pension Consolidation service that consolidates previous defined-contribution pensions into a single scheme. Supporting platforms include the Money&Me interactive financial wellbeing platform with gamified learning, financial coaching, redundancy support, and specialist share-plan support. The architecture ties together content libraries, member portals, and engagement tools into an integrated employee financial journey rather than a standalone AI-driven system.

The business model is B2B and sales-led, with a dedicated new business team and corporate relationship managers running a four-stage consultative process (requirements review, bespoke programme design, engagement delivery via digital nudges, and measurement through management information). Revenue is generated through project-based fees charged to employers and pension trustees for the mix of education, engagement, guidance, and regulated advice services, supplemented by recurring Workplace ISA management fees (regular contributions from £25 per month, lump sums from £300). The company is privately held under Mercatus Topco Limited, with private equity backing from Aquiline Capital Partners (since June 2021) following a 2015 management buyout previously backed by Equistone Partners Europe, and reported turnover of £48.5 million for the year ending 31 December 2024 with an average of 356 employees.

Name

WEALTH at work

Legal name

Wealth at Work Limited

Website

https://wealthatwork.co.uk

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

251–500 employees

Short description

WEALTH at work is a UK-based, FCA-regulated financial wellbeing specialist that delivers workplace financial education, guidance, regulated investment advice, retirement guidance, pension consolidation, and a Workplace ISA to 450+ UK employers, pension scheme trustees, and their employees.

Ownership category

akta.pro rank

Product category

Workplace Financial Wellbeing Services

NAICS

Portfolio Management and Investment Advice (52394), Portfolio Management and Investment Advice (523940), Pension Funds (525110)

SIC

Investment Advice (6282), Services-Management Consulting Services (8742)

akta.pro primary industry

Workplace Wealth & Employee Investing Programs (FSAAAAAK)

akta.pro secondary industries

Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ), Employee Financial Wellness Platforms (Workplace PFM) (FSAGADAK), Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF)

Keywords

• Workplace financial wellbeing
• Employee financial education
• Pension consolidation services
• Workplace ISA management
• Retirement guidance

Headquarters

HQ city

Liverpool

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Financial Education Services: Delivery of financial education programmes to employees of corporate clients, including seminars (face-to-face or online), webcasts, animations, and interactive tools. Revenue generated through project-based fees charged to employers.
2. Employee Engagement Services: Awareness campaigns and communications delivery to drive employee participation in financial wellbeing programmes. Includes digital nudge technology, email campaigns, and multimedia content delivery.
3. Financial Guidance Services: One-to-one guidance clinics delivered face-to-face, by video call, or telephone on project basis covering pension changes, redundancy, share scheme matters, and retirement planning.
4. Investment Advice Services: Regulated investment advice for employees covering investment planning, pension consolidation, retirement planning, share scheme maturity, and redundancy support.
5. Workplace ISA Management: Management of Workplace ISA for employees including fund selection, portfolio construction, and ongoing investment management services.
6. Retirement Guidance Service: Structured retirement guidance service for pension scheme members including one-to-one guidance calls, retirement reports, and ongoing support through digital portal.
7. Pension Consolidation Service: Digital pension consolidation service enabling employees to transfer multiple pension pots into a single scheme, supported by in-house Investment Management expertise.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels9 records

Core offering

WEALTH at work is a UK financial wellbeing specialist delivering financial education, guidance, regulated investment advice, pension consolidation, and Workplace ISA services to corporate clients and pension scheme trustees. Services are delivered through a combination of in-house financial coaches/advisers and digital platforms (Money&Me, The Hub, Pension Consolidation) and are charged on a project basis to employers and trustees who make the programmes available to their employees.

Product overview

WEALTH at work is a financial wellbeing, retirement and workplace savings specialist offering a platform of services organized around three core specialisms: Financial Wellbeing, Pensions & Retirement, and Workplace Savings. The core service portfolio includes Financial Education (delivered via seminars, webcasts, animations, and interactive tools), Employee Engagement (awareness campaigns with digital nudge technology), Financial Guidance (one-to-one clinics), Retirement Guidance (structured one-to-one support with the Hub portal and Retirement Guidance Report), Investment Advice (personalized advice on investments and retirement income), Workplace ISA (tax-efficient savings), and Pension Consolidation (digital service for consolidating pensions). Supporting offerings include the Money&Me interactive digital platform with gamified learning, Financial Coaching, Redundancy Support, and Share Plans Support. The company was established in 2005 and serves hundreds of organisations across the UK.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Education

Quantifiable outcome

• 82% of employers plan to offer financial wellbeing programmes to support workforce
• +4 more outcomes

Named customers12 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature6 records

Scale indicators7 records

Recent moves7 records

Expansion highlights3 records

Emerging players

• Nudge (financial wellbeing): UK workplace financial education and engagement platform serving employers with digital learning and guidance content. Overlaps with WEALTH at Work's education and employee engagement offerings, with a more software-led delivery model.
• Salary Finance: UK workplace financial wellbeing platform offering salary-linked savings, loans and education to employees via employers. Competes on the digital financial wellbeing layer with a tech-led, lower-touch model.

Direct peers

• Origen Financial Services: UK workplace financial advice and retirement guidance specialist focused on employers and pension scheme members. Directly comparable on service mix, target customer and regulated advice positioning.
• LEBC Group: UK workplace financial advice and employee benefits specialist serving employers and pension scheme members with regulated advice, guidance and education — a close functional mirror to WEALTH at Work's core offering.
• Foster Denovo: UK financial advice and wealth management group with workplace and employee benefits advice capabilities. Overlaps with WEALTH at Work's employer-channel regulated advice and workplace savings services.

Broad incumbents

• Aon: Global professional services firm with a UK workplace wealth, retirement and benefits consulting practice. Competes for the same large employer and pension scheme mandates as WEALTH at Work, with deeper international scale.
• Mercer: Global consulting firm (Marsh McLennan) with a large UK workplace financial wellbeing and retirement practice. Directly competes for FTSE employer mandates but operates a much broader HR/benefits portfolio.
• Willis Towers Watson: Global advisory firm offering workplace savings, pension scheme support and retirement guidance services across UK employers. Competes on enterprise consulting mandates with broader actuarial and risk capabilities.

Regional players

• Hymans Robertson: UK actuarial and pension consultancy providing trustee support and member engagement services to occupational pension schemes. Comparable in the trustee-channel retirement guidance space, though broader on actuarial consulting.
• Barnett Waddingham: UK actuarial and pensions consultancy with workplace savings, retirement guidance and member education services. Competes for trustee and employer mandates with an actuarial-led delivery model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/wealthatwork
• YouTubeyoutube.com/@WEALTHatwork
• LinkedInlinkedin.com/company/wealth-at-work

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries3 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A3 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about WEALTH at work