BroadMind Launches "AND CALMO," a Financial Platform to Support Human Capital Management
BroadMind launches "AND CALMO," a financial platform to support human capital management.
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- 📰 Published: April 1, 2026 at 00:00
With the purpose of "Unleashing the Power of Finance," BroadMind Co., Ltd. (Headquarters: Shibuya-ku, Tokyo; President and CEO: Kiyoshi Ito; Securities Code: 7343; hereinafter referred to as "the Company"), which develops and provides financial services to support the realization of life plans, will launch its online financial platform "AND CALMO" on March 31, 2026.
■ Background of Service Launch
In recent years, with the increasing emphasis on human capital management, companies are expected to support not only their employees' careers but also their entire lives. Financial decisions related to life, such as home purchases, education expenses, asset building, and retirement planning, are becoming increasingly complex year by year, leaving many people with anxieties about the future and difficulty in making judgments.
On the other hand, financial challenges vary greatly among individuals, and traditional employee benefit systems alone cannot adequately address these issues. Amidst an overwhelming amount of information, many employees feel they "don't know what is best for them."
The concept of Financial Well-being has gained attention in recent years against this backdrop. Supporting employees' financial outlook for the future and providing a stable economic foundation, in addition to job satisfaction and health, is believed to lead to increased motivation and engagement at work.
Based on this background, the Company has developed "AND CALMO," a financial conditioning platform that allows employees to proactively think about their own life plans and access the necessary knowledge and support.
■ What is AND CALMO?
"AND CALMO" is a platform for organizing one's financial condition. This service does not simply provide knowledge; instead, based on financial diagnostic results, it offers checklists, columns, and opportunities to consult with experts, thereby supporting employees in making decisions based on their own life plans and taking concrete actions.
Furthermore, "AND CALMO" is provided as one of the services under "Financial EAP" (Employee Assistance Program).
＜For details on Financial EAP, please click here＞
https://www.b-minded.com/news/pressrelease/3713/
■ Main Features and Characteristics
① Diagnosis: Understand Your Condition
・CALMO Mate Diagnosis
This diagnosis visualizes how you handle financial anxiety based on your behavioral and personality tendencies, helping you find "how to move forward more easily."
・Financial Health Check
This allows you to organize subjective anxieties and objective financial status separately.
② Confirmation: Identify Your Anxieties
Financial anxieties are often in a state of "vague unease" or "difficult to articulate." This feature uses a checklist to help you verbalize your anxieties.
③ Action: Understand the Nature of Your Anxieties
The anxieties verbalized in the checklist are explored in depth through theme-based columns.
(Example themes: Household budget management, Housing, Education, Life insurance, Asset management, Retirement, Long-term care, Social insurance, Work styles, etc.)
A key feature is that the columns can be searched not only by themes of interest but also by your current situation and desired actions.
Furthermore, simulations allow you to clarify issues by understanding specific figures for education funds and retirement funds.
④ Consultation: Don't Bear It Alone
Employees can consult with a financial planner (FP) anonymously and online at their own discretion. This service is available for those who don't know what to consult about or who are hesitant to disclose personal information immediately.
■ Comments from the Development Team
Madoka Sonoda, Business Development Department, BroadMind Co., Ltd.
We believe that financial anxiety arises not only from a lack of knowledge but also from a "state of disorganization."
Life involves various financial decisions, such as purchasing a home, education expenses, asset building, and retirement planning. However, in reality, these often overlap and become complex, leading to a state where people don't know "what they are anxious about" or "where to start thinking."
"AND CALMO" is designed not as a place to solve all financial anxieties at once, but as a place to gradually confront them by organizing them by theme. We aim for users to discover "what is necessary for them right now" by moving back and forth between taking diagnostics, obtaining information, organizing, and consulting, all at their own pace.
There is no set order of use. The important thing is to have time to think about money in line with your own life plan.
We hope that "AND CALMO" will help alleviate each employee's financial anxieties and serve as a catalyst for them to make choices that are true to themselves.
BroadMind Co., Ltd.
We are a financial services development company with the purpose of "Unleashing the Power of Finance," supporting the realization of people's life plans. Since our founding in 2002, we have supported the realization of life plans for individuals and corporations in a one-stop manner from an independent standpoint, not affiliated with any specific financial institution, and are listed on the Tokyo Stock Exchange Growth Market.
Our flagship service, "Money Pro," offers proposals by experts who are 100% certified FP (※1), combining products from approximately 60 partner companies across a wide range of options including insurance, securities, and housing loans. We offer free consultations without bias towards any specific financial institution, allowing clients to consult until they are satisfied. With a cumulative total of 200,000 consultations and a customer satisfaction rate of 98.9% (※2), we were one of the first in the industry to establish a nationwide online consultation system.
Our financial education program for corporate employees, "Brokkori," received an award in the Professional Division at the Japan HR Award 2025 (supported by the Ministry of Health, Labour and Welfare).
We will continue to ask "Whose finance is it for?" as a financial partner and aim to implement "finance as it should be" in society.
※1・※2 As of June 2025
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◆Company Name: BroadMind Co., Ltd. (https://www.b-minded.com/)
◆Representative: Kiyoshi Ito, President and CEO
◆Head Office Location: 33F, Shibuya Sakura Stage Shibuya Tower, 1-1 Sakuragaoka-cho, Shibuya-ku, Tokyo 150-6233
◆Established: January 2002
◆Listed Market: Tokyo Stock Exchange Growth Market (Securities Code: 7343)
◆Business Description: Financial Partner Business
(FP consultation services for individuals and corporations, life planning support, and development and provision of digital products related to financial education/financial well-being)
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◆Inquiries regarding press releases and interviews
Public Relations: Tominaga, Shimura
Please contact us via this form
https://www.b-minded.com/contact/form-bmpr/
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♦Inquiries regarding material requests and services
Business Development Department: Hasegawa, Sonoda
FAQ
When will "AND CALMO" be available?
Service will commence on March 31, 2026.
What kind of service is "AND CALMO"?
It is a financial conditioning platform that allows employees to proactively think about their own life plans and access necessary knowledge and support. It supports organizing financial anxieties and taking concrete actions through four steps: Diagnosis, Confirmation, Action, and Consultation.
What was the background for the development of "AND CALMO"?
The development was driven by the increasing importance of human capital management and the growing complexity of financial issues related to employees' entire lives. It was developed based on the concept of financial well-being to address areas not fully covered by traditional employee benefit systems.
How is "AND CALMO" different from "Financial EAP"?
"AND CALMO" is provided as one of the services under "Financial EAP." EAP (Employee Assistance Program) is a system that addresses not only employees' mental health and work-related issues but also concerns related to their overall lives. "AND CALMO" specifically provides support focused on "finances" within EAP.
Can I consult with an expert anonymously?
Yes, employees can consult with a Financial Planner (FP) anonymously and online at their own discretion.