I still remember sitting in my first-ever benefits seminar, heart racing as I clutched a huge packet of paperwork that weighed more than my college textbooks. Fresh out of university and still guessing my way through grocery spending, I stared at the polished slides while the presenter (sharp suit, bored voice) ran through all the details of retirement plans, insurance policies, and disability coverage.  Forty-five years of financial planning ahead, when I hadn’t even figured out next week? Overwhelmed didn’t begin to cover it. That’s the reality for so many employees today—a standard employee benefits package includes retirement and health insurance but doesn’t address the immediate, everyday challenges of personal finances, like planning day-to-day spending or paying down debt. That gap creates stress and financial issues that spill into the workplace. And that’s why financial wellness benefits have become so important. They’re no longer a “nice-to-have.” They’re an essential part of the package.…