Financial Services: Guidance for Every Stage of Financial Wellness
Financial concerns are one of the most common sources of stress for employees and their families. From managing day-to-day expenses to planning for long-term goals like retirement, the process can feel complicated and overwhelming. Through your Employee Assistance Program (EAP) benefit, M&S EAP partners with a network of experienced financial counseling professionals to connect you with the guidance and educational resources you need to make informed decisions.
We do not provide financial advising or counseling directly. Instead, our role is to connect you with trusted experts who can help you build stability, reduce stress and plan for a secure future.
Free General Financial Guidance Through Our Partner Network
Employees and their household members can receive free initial financial counseling and education through our network of partner providers. These services are designed to help you understand your financial situation, create a plan and take actionable steps toward your goals.
Our partner counselors can help with:
- Budgeting for households and individuals
- Debt management and consolidation strategies
- Homebuyer education
- Retirement planning basics
- Savings strategies and emergency fund planning
- Credit score improvement
How the Process Works How the Process Works
When you contact M&S EAP for financial support, we match you with a partner financial counselor based on your needs and preferences. You can choose to meet virtually or by phone for convenience and privacy.
During your session, the counselor will listen to your concerns, answer your questions and offer tailored guidance. If your situation requires more in-depth or ongoing financial planning, your counselor will explain available options and any associated costs before you proceed—so you can make an informed choice.
Support for Life's Key Financial Moments
Financial questions often arise during major life changes, such as:
- Buying a first home
- Recovering from job loss or divorce
- Adjusting to income changes or inflation
- Saving for a child's education
- Preparing for retirement
Our goal is to make sure you have access to the right professional when these moments happen. With the help of our trusted partners, we can connect you to the resources and tools you need to move forward confidently.
Confidential, Judgment-Free Support
All financial guidance provided through our partner network is confidential. Counselors approach every situation without judgment, focusing on solutions and strategies that are realistic for your unique circumstances.
Through your EAP benefit, you have free access to financial counseling from experienced professionals—without the stress of finding help on your own. By partnering with trusted experts, M&S EAP ensures that you and your household have the resources to make sound financial decisions at every stage of life.
