Employee Financial Wellness Programs

Seed of Prosperity has for the past 10 years developed into a market leader in the employee financial solution market in South Africa, having partnered and served some of the biggest listed companies in the country from banks, insurance companies and mines for different objectives including Employee Assistance Programs (EAP), Wellness programs, improving financial literacy of a customer base and curb the risk of defaults for creditors and other financial services companies. We’ve been able to deliver exceptional results that exceed expectations and provide measurable higher returns.

We offer holistic and customized financial wellness programs to progressive companies that want to combine financial literacy, financial conseling and other remedial interventions to employees through the right set of skills and professional support.

Here’s why South African employers have started taking employee financial wellness solutions as a critical area that needs urgent attention and effective interventions:

  • Presenteeism alone costs SA employers above R 89 Billion per annum, combined with absenteeism the figure borders around R 130 Billion
  • After personal problems, which could literally mean anything including health and domestic problems, financial distress is the second biggest contributor to presenteeism in the workplace
  • Using the South African average day rate of R 405, it is estimated that employers are losing an average R596 566 per 100 employees per annum due to presenteeism. The results show that, on average, 27% of employees go to work but don’t always work effectively because they are distracted at some point.


Momentum’s Employee Wellness Index indicates the following

Employers financial wellness

According to this research, the top driver of presenteeism is personal reasons, including sick family members, bereavement and family/relationship problems. Financial matters, such as over-indebtedness and lack of savings for unplanned expenses, is the second most damaging driver of distraction in the workplace.


A comprehensive financial program is designed with the following elements in place;

  • Face-to-face financial clinics
  • Telephonic financial support
  • Financial training programs
  • Financial health assessments
  • Interactive financial awareness days


Our team consists of well trained, qualified and experienced staff made of facilitators, financial wellness specialists, communication and legal consultants

We have a fully-fledged call center with back-up data and voice recording to lead campaigns of any sizes

We use cutting edge tools to provide continuous real time monitoring, evaluation and reporting for efficient decision making and adjusting to fit the needs of the environment and expectations of all stakeholders.

Financial Wellness Diagnostic app Fintrak is our in-house financial wellness tool with a robust reporting, interactive mobile app and client management system.

how can we help you?

Contact us at Seed Of Prosperity office nearest to you or submit a business inquiry online.

Fin-Lite Financial Education trading as Seed of Prosperity has been providing Financial Wellness services to Omnia Fertilizer Sasolburg branch since November 2015. The value they have added to our employees’ lives is incredible. Our employees have become more financially savvy, through weekly consultations with an onsite consultant. They helped in reduction of interests, debt, as well as prevention of assets repossessions.

Omnia Fertilizer, a division of the Omnia Group (Pty) Ltd
Manager: Human Resources , Omnia Fertilizer, a division of the Omnia Group (Pty) Ltd

Looking for financial remedial solutions to secure financial wellbeing?