5 Best Financial Wellness Companies of 2022

As anyone carrying unpaid debts will tell you, digging yourself out of a hole is much harder than jumping in. If you’re under financial stress, it can seem like an impossible task to rebuild your credit. Luckily, you don’t have to do it all yourself. The best financial wellness companies can help with financial planning, debt relief, credit repair, and work with you to get your finances on the right track.

While dozens of holistic financial wellness programs are available for consumers, not all have good reputations or ratings. We chose five of the best financial wellness organizations offering credit repair services and financial education for their clients. We looked at ratings and reviews, how the process works, and pricing packages. 

Here are our picks for the 5 best financial wellness companies of 2022.

5 Best Financial Wellness Companies

• Saint Services: Best for personalized financial wellness plans
• Credit Saint: Best for credit repair
• Accredited Debt Relief: Best for debt relief
• Community Tax: Best for tax relief
• Aura: Best for credit monitoring, identity theft, and fraud protection

#1. Saint Services: Best for Personalized Financial Wellness Plans

Saint Services is a reputable company offering one-on-one guidance and access to a real-time platform for consumers having difficulty with their personal finances. They’re a leading provider of financial wellness programs and employ Certified Financial Planners to teach clients financial literacy.

Services and Features

Saint Services offers two financial products for clients, both of which work well together:

Financial wellness: The financial wellness program guides people with personal finance problems. A Certified Financial Planner (CFP) may help you achieve financial goals and streamline your credit monitoring so you can remain vigilant regarding your finances.

Financial education: The company also offers educational resources through a financial wellness course designed by Erich Heneke, Ph.D. You acquire tools to manage student loan debt, explore snowball repayments, and learn about credit card debt.

How It Works

Saint Services’ CFPs manage your financial wellness program one on one to get you back on the right track. The organization offers a digital platform and a three-step financial plan to help clients regain control of their lives and personal finances:

Step 1: Upon enrollment, a CFP will access your credit scores from the major credit bureaus and evaluate your credit history. You’ll get identity theft protection and real-time alerts.

Step 2: Next, you’ll determine your ultimate goal (Building more savings? Qualifying for a mortgage?). From that, your CFP will create a customized plan for your circumstances.

Step 3: Your CFP will monitor your credit history and financial wellbeing to ensure you stay on track and reduce debt.

Pricing

The financial wellness program at Saint Services provides comprehensive solutions for clients struggling with finances. It targets the following three areas:

• Credit monitoring
• Financial planning
• Financial education

This program provides unique financial benefits to clients and costs $99 per month.

Click Here to Learn More About Saint Services

2. Credit Saint: Best for Credit Repair

Credit Saint offers one-on-one guidance and financial wellness programs for consumers with unpaid debt or negative items on their credit reports. Credit Saint is one of the best financial wellness platforms if you’re struggling with financial stress after unexpected life events, credit card debt, or cash flow problems.

The company has maintained accreditation with the BBB since 2007, has an A rating, and offers clients a money-back guarantee.

Services and Features

The holistic financial wellness programs at Credit Saint attempt to remove negative or biased items from your credit report, including:

• Judgments
• Late payments
• Collections
• Bankruptcy
• Foreclosure
• Repossessions
• Inquiries
• Charge-offs
• Liens

In addition, there are three available financial wellness programs from which to choose:

1. Credit Polish

• Five monthly challenges
• Credit score tracker and analysis
• Creditor interventions

2. Credit Remodel

The credit remodel plan carries over all the Credit Polish benefits but includes inquiry targeting and ten monthly challenges.

3. Clean Slate

The Clean Slate is one of the best solutions for people to repair their credit and attain a brighter financial future. It contains all the benefits from the first two plans, but you also get unlimited monthly challenges to the three credit bureaus.

How It Works

It’s simple to get started and enjoy the benefits of working with Credit Saint’s financial wellness platform. Here’s how the process works:

Step 1: Schedule a free consultation with the financial experts at Credit Saint.

Step 2: Pick which financial plan works best for you.

Step 3: Learn healthy financial habits, gain the tools you need to rebuild your credit, and access your progress in real time via the online dashboard.

Pricing

The only downside of Credit Saint is the company’s relatively high fees. Here’s the pricing breakdown:

• Credit Polish: $79.99 per month, $99 initial work fee
• Credit Remodel: $99.99 per month, $99 initial work fee
• Clean Slate: $119.99 per month, $195 initial work fee

Click Here to Learn More About Credit Saint

3. Accredited Debt Relief: Best for Debt Settlement

Accredited Debt Relief is a reputable organization offering consumer financial wellness programs. Since 2011, the company has helped over 200,000 people regain control of their lives through financial education, smart budgeting, and debt settlement. ADR is also an accredited American Fair Credit Council member and offers clients a money-back guarantee.

Services and Features

You’ll need at least $10,000 in unsecured debts to use ADR’s consolidation and financial wellness programs. However, they may be able to cut your monthly payments in half, making it much easier to manage your personal finance issues.

Furthermore, the company offers many excellent benefits for clients, including financial wellness programs that may help you settle debts within 12 to 48 months without the stress of bankruptcy.

How It Works

It’s simple to take advantage of the tools that ADR offers consumers:

Step 1: Request a free consultation. Call ADR or fill out the online form to determine your eligibility for their financial wellness programs.

Step 2: Next, the specialists at ADR will help you find the right plan for your needs. Once you do, you’ll undergo the enrollment process and start saving.

Step 3: You’ll get access to tools for budgeting and putting money into a special savings account. Once you have enough, your counselor will help you settle debts and secure a brighter financial future.

Pricing

ADR’s financial wellness program doesn’t charge upfront fees for debt relief. However, it takes about two to four years to become financially healthy and take advantage of the full benefits. Once the specialists at ADR negotiate with your creditors and reduce what you owe, you’ll pay between 15% to 25% of your total enrolled debts as a fee.

Click Here to Learn More About Accredited Debt Relief

4. Community Tax: Best for Tax Relief

Are you having tax trouble? If so, Community Tax may be able to help. With over 100,000 satisfied clients and $800 million in unpaid back taxes settled, Community Tax may help you achieve financial wellness and resolve your issues with the IRS.

Services and Features

Community Tax has over 15 unique financial solutions to remedy your situation if you can’t pay off your back taxes. The platform offers a range of different financial benefits for clients to get their lives and finances on the right track with the IRS, including:

• Payroll tax negotiations
• Tax resolution
• Financial hardship declarations
• Penalty abatements
• Tax preparation
• Tax assurance
• IRS Fresh Start Initiative
• Offer in compromise
• Notice of deficiency
• IRS payment plan audits
• IRS installment plans

How It Works

It’s easy to access the benefits Community Tax offers consumers. Here’s how the process works:

Step 1: Call to request your initial consultation with a Certified Tax Specialist at Community Tax. They’ll determine your eligibility for their financial wellness program.

Step 2: Your personal finance manager will apply for an offer in compromise (OIC) to see whether they can reduce your unpaid tax debts.

Step 3: If you’re not eligible for the OIC, your counselor will explore alternative solutions to fix your financial challenges and tax debts.

Pricing

The cost of using Community Tax’s financial wellness program varies based on the total amount of money you owe to the IRS. Furthermore, once you access their services, you’ll have to pay investigation fees, which are $195.

If the workers at Community Tax resolve your tax debts, you’ll have to pay resolution fees between $3,000 and $5,000, depending on how much you owe.

Click Here to Learn More About Community Tax

5. Aura: Best for Credit Monitoring, Identity Theft, and Fraud Protection

With the rate of identity theft and bank fraud increasing exponentially in the U.S., Aura’s financial wellness programs are invaluable for people with busy lives. The organization offers a range of useful tools that scan your cash flow, bank activity, and finances to look for potential problems, theft, or fraud.

Services and Features

Aura is one of the best financial wellness companies for people who want to reduce financial stress through fiduciary digital planning. Aura no longer has tiered options. Instead, every client gets full benefits regarding their financial education and wellness programs. Clients are charged based on how many people are included under their plan.

Here’s a breakdown of Aura’s services:

• Online and device security
• Identity theft insurance ($1 million per adult)
• Antivirus protection
• 24/7 customer service support
• Fraud resolution
• VPNs for your devices
• Online account monitoring
• SSN monitoring
• Spam and junk mail removal
• Lost wallet replacement
• Credit and bank account monitoring
• 401k and investing advice
• Annual credit reports
• Financial transaction monitoring

How It Works

Aura’s platform provides financial education, protection, and wellness programs that ensure your money and identity remain secure. It’s easy to gain access to all of Aura’s financial wellness benefits. Here’s how the process works:

Step 1: Head to the Aura website and check out each plan to determine which will fit your financial needs.

Step 2: Create an account with Aura by signing up online. Enter your personal information, including contact details, password, etc.

Step 3: Connect your financial accounts and submit your Social Security number, financial accounts, and date of birth for Aura to access. These help Aura provide comprehensive financial protection solutions and ensure your data remain secure.

Step 4: Monitor your accounts, credit activity, and financial wellness using Aura’s easy-access online platform and central dashboard.

Pricing

Aura’s financial wellness program is surprisingly affordable, considering the numerous benefits and tools you gain from signing up.

Individuals

• Free for 14 days
• $15 per month
• $12 per month for annual membership

Couples

• Free for 14 days
• $29 per month
• $22 per month for annual membership

Families (Up to 5)

• Free for 14 days
• $50 per month
• $37 per month for annual membership

Click Here to Learn More About Aura

What Is a Financial Wellness Company?

A financial wellness company provides consumers with various essential services. Many companies promote financial literacy to help people learn smarter spending habits and how to budget, settle debts, or plan for retirement. If you cannot save money or have trouble budgeting, signing up for a financial wellness program can help.

Many financial wellness programs go far beyond standard employer benefits or retirement solutions. They’re an excellent way to promote financial stability and provide the tools consumers and employees need to develop a stable relationship with money, start saving, and learn how to budget.

Financial wellness programs typically provide online counseling, workshops, live coaching, and financial education services, including:

• Financial goal setting
• Financial literacy and education
• Credit building
• Employee financial health
• Debt reduction and settlement
• Student loan repayment
• Personal budgeting
• Spending habits
• Retirement planning
• Financial crisis management

How We Ranked the Top Financial Wellness Services

We used several factors to determine the best financial wellness companies and how they can help consumers or employees struggling with money or economic issues, including:

Reviews and Reputation

When you put your finances into someone else’s hands, you want to feel confident that your money and credit will be safe, secure, and monitored by experts. To ensure this, we looked at reviews from past clients for each of our top five picks and spent time evaluating their reputations.

All five financial wellness companies we picked have stellar reputations, with positive reviews from satisfied clients. For example, Credit Saint has one of the best reputations in the business, including accreditation from the American Fair Credit Council and the BBB.

Services Offered

The services each financial wellness program offers were another critical factor in our review. We looked for companies offering comprehensive credit repair and financial wellness solutions, such as real-time monitoring, educational resources, identity theft protection, and more.

We know that consumers’ lives can be hectic and that learning to save money can be challenging for most people. Therefore, we only picked the top five companies with the best range of services.

Price and Value

When enrolling in a financial wellness program, you want a fair value for the price you pay. During our review, we looked at the price-value balance for each company, ensuring that the cost you’ll incur is worth the overall benefits and services. While some of these plans can be expensive, the overall result of obtaining financial wellness is worth it. The most affordable plans were from Aura, which start at $12 per month.  

Related Content:

• Best Credit Monitoring Services
• Best Debt Relief Companies
• Best Identity Theft Protection
• Best Tax Debt Relief Services

Tips for Ensuring Your Financial Health

If you’re struggling to achieve financial stability, your options may seem limited. However, you can take control of your life by making wise financial decisions. Keep reading for expert tips to ensure you remain in strong financial standing.

Make a monthly budget: Don’t leave your finances to chance. Instead, spend time calculating your income against your expenses, develop a budget, and stick to it.

Stop overspending: These days, spending money is as simple as taking out your smartphone. The next time you’re on the verge of maxing out your credit card, ask yourself, “Is this item a necessity, or is it a luxury?”

Pay bills on time: According to FICO, 35% of your credit score depends on your payment history. Paying your bills on time can significantly impact your financial health.

Save for emergencies: Without an emergency fund, you’re flying blind. Try to put aside money each week into a savings account.

Pay off debts: If you’re struggling with unpaid credit card bills, you should prioritize paying them off. Alternatively, you may reach out to a debt settlement company for help.

Stay in the know: What you don’t know can hurt you. Check your credit report periodically to determine whether negative items are harming your score.

Final Words on the Financial Wellness Programs

Millions of Americans face financial health issues and unpaid debts. Fortunately, consumers have several options to rebuild their credit and attain financial literacy. One of the most popular options is signing up for a financial wellness program.

We evaluated the best financial wellness companies and ended up with five top-rated organizations: Accredited Debt Relief, Aura, Saint Services, Credit Saint, and Community Tax. Each company offers consumers a way to reduce spending, learn smarter financial habits, and attain financial wellness. Making these habits part of your routine will help you move closer to achieving your financial goals.

*This article is provided by an advertiser and not necessarily written by a financial advisor. Investors should do their own research on products and services and contact a  financial advisor before opening accounts or moving money. Individual results will vary. Foreign companies and investment opportunities may not provide the same safeguards as U.S. companies. Before engaging with a company, research the laws and the regulations around that service, and make certain the company is in compliance. For comprehensive guidance on U.S. investments and financial regulations, visit the Securities and Exchange Commission (SEC)’s Investor.gov.