Not having enough emergency savings for unexpected expenses is the most frequently cited financial concern for Millennial (48%) and Generation X (51%) employees, while not being able to retire when they want to is the most frequently cited concern among Baby Boomers (46%), according to the 2018 edition of PwC’s Employee Financial Wellness Survey.

Among all respondents, more affordable health care is the top cited factor that would most help them achieve their future financial goals. However, one-quarter of respondents said a financial wellness benefit with access to unbiased counselors is the employer benefit they would most like to see added in the future. Baby Boomers (32%) and Gen X (27%) employees are more likely than Millennials to say they most trust an independent financial planner who does not sell investment or insurance products for their financial advice and education, while Millennials are more likely to say they most trust friends and family (24%)

Thirty-five percent say their employer offers services to assist them with personal finances, and nearly two-thirds (65%) say they’ve used the services. Forty-one percent say their employer’s financial wellness program has helped them get their spending under control, while 39% say it has helped them prepare for retirement, and 31% say it has helped them pay off debt.

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