Our Solutions

You work hard to design employee benefits packages that meet candidates and employees where they are in their careers—from new to the workforce, to mid-career, to looking toward retirement. Our financial wellness benefits are designed to help you empower your employees to achieve their financial wellness goals.

Whether you want solutions to help employees pay down or refinance student loan debt, start saving for their children's educations, or become advocates for their financial wellness, we have benefits that will meet your company’s and your employees' needs.

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Gradifi FinCore, College SaveUp and Student Loan PayDown
Supporting participants across a wide range of industries
Gradifi impact on student debt

Build a happier, healthier, more productive workforce.

Give employees access to benefits that can help them take control of their financial well-being.

Our solutions can help you build a happier, healthier, more productive workforce. Support your employees on their financial wellness journey and help them achieve their financial goals with Gradifi financial wellness benefits.

backgroundBring in top-tier talent

Bring in top-tier talent.Build a strong culture. Improve employee engagement.

Offering Gradifi financial wellness benefits is one way to show that your company culture values employees and understands the financial challenges they face—and believes that they can achieve a lifetime of financial wellness.

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Ready to make an impact on your employees' financial well-being and your company's bottom line?

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  1. Employee Financial Wellness Study, conducted by the Financial Health Network on behalf of Morgan Stanley, 2018,
  2. For illustrative purposes only. PayDown results may vary as each participant’s financial situation will be different.
  3. Estimated savings are based on refinancing a $50,000 student loan with an 6.8% APR and 10-year repayment term to a new loan with a 3.55% APR and 10-year repayment term. Individual savings may vary.
  1. Estimated savings are based on a $50,000 student loan balance at 6% APR, under a 10-year repayment plan with a $150 monthly employer contribution plus regular monthly payments made by the borrower.
  2. Estimated savings are based on $100/month employer contribution for five years with a 6% annual rate of return for eighteen years before a child goes to college. Individual savings may vary.

The material provided by E*TRADE Financial Corporate Services, Inc. or any of its direct or indirect subsidiaries (E*TRADE) or by a third party not affiliated with E*TRADE is for educational purposes only and is not an individualized recommendation. The information contained in the third-party material has not been endorsed or approved by E*TRADE, and E*TRADE is not responsible for the content. This information neither is, nor should be construed as, an offer or a solicitation of an offer, or a recommendation, to buy, sell, or hold any security, financial product, or instrument discussed herein, or to open a particular account or to engage in any specific investment strategy by E*TRADE.

E*TRADE Financial Corporate Services, Inc. offers the Gradifi suite of financial wellness solutions, enabling employers to provide their employees student loan and college savings benefits. Gradifi solutions are part of the Morgan Stanley at Work solutions.

Content and services available to non-US participants may be different than those available to US participants.

This is not an offer to sell or a solicitation of an offer to buy securities, products or services, by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation.

The laws, regulations, and rulings addressed by the products, services, and publications offered by E*TRADE Financial Corporate Services, Inc. and its affiliates are subject to various interpretations and frequent change. E*TRADE Financial Corporate Services, Inc. and its affiliates do not warrant these products, services, and publications against different interpretations or subsequent changes of laws, regulations, and rulings. E*TRADE Financial Corporate Services, Inc. and its affiliates do not provide legal, accounting, or tax advice.

Always consult your own legal, accounting, and tax advisors. E*TRADE Financial Corporate Services, Inc., LendKey, Earnest, and MEFA are separate and unaffiliated companies.


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