New Option for "Money Issues" Companies Can't Tackle: Launch of "Money EAP" to Support Employees' Autonomous Problem Solving
Broadminded Launches "Money EAP" Service to Reduce Employees' Financial Stress.
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- 📰 Published: April 1, 2026 at 00:00
Broadminded Inc. (Headquarters: Shibuya-ku, Tokyo; President: Kiyoshi Ito; Securities Code: 7343; hereinafter: "the Company"), which develops and provides financial services to support the realization of life plans with the purpose of "Unleashing the Power of Finance," will launch a new service, "Money EAP," on March 31st, as a new measure to support employees' financial stress, enabling them to autonomously solve their money-related problems.
■What is Money EAP?
First, "EAP" is an abbreviation for "Employee Assistance Program," which refers to a program that provides care for mental and physical discomfort as a measure for employee mental health, and it is a keyword that has been attracting attention among business owners and HR managers in recent years.
"Money EAP" is positioned as a mechanism that supports financial health, following the principles of traditional EAP.
For money issues, just like health, "early detection" and "appropriate professional support" are important.
Money EAP comprehensively provides support from visualizing employees' financial status to improvement assistance and professional consultation, thereby helping to reduce financial stress.
■Development Background
In recent years, the environment surrounding household finances has changed significantly due to the impact of rising prices and interest rates. According to a survey by the Financial Services Agency*¹, half of those who have borrowed within the past three years are regular employees, indicating that borrowing occurs even among people with stable jobs.
On the other hand, money issues are extremely private matters deeply related to an individual's life. Companies tend to feel "interested but hesitant to get involved," and employees also have a psychological tendency to "not want company intervention even if they have concerns." Therefore, "non-intervention" has been the most realistic approach for both companies and employees.
However, in recent years, employees' financial problems have become risks that companies can no longer overlook. Financial distress can be a motive for various fraudulent activities such as hidden side jobs, working overtime to make ends meet, fraudulent expense claims, embezzlement, and fraud against customers. Furthermore, strong financial anxiety can affect performance and organizational stability, such as decreased concentration and increased intention to leave.
Based on these challenges, the Company has developed "Money EAP" as a system that provides an environment where employees can autonomously solve their money-related problems, under the premise that "companies do not intervene."
This service provides a framework where companies offer a consultation environment, and employees can receive support from experts of their own volition. Companies can address organizational issues such as reduced performance due to financial stress and reduced risk of fraud, while respecting employee privacy.
*¹ Source: Financial Services Agency "Survey and Research on Loan Service Users" P-5 Total number of company employees, public servants (including teachers), and organizational employees (including private schools and hospitals) (https://www.fsa.go.jp/common/about/research/20250530/01.pdf) *As of March 31, 2025
■Service Details
This service approaches employees' financial anxieties and challenges in three stages: "Visualization (Realization) → Self-Improvement (Organization) → Expert Support (Consultation)".
① Online Platform "AND CALMO": Promotes Visualization and Self-Improvement
It visualizes the situation through tools like the "16 Types of Money" diagnosis and "Money Anxiety Level" diagnosis. Based on these results, it provides various content on the online platform to enable practical improvement actions in daily life.
＜Learn more about AND CALMO here＞
https://www.b-minded.com/news/pressrelease/3716/
② Expert (FP) Support
For more specific issues, employees can consult with certified Financial Planners (FPs) of their own volition. Two consultation channels are available. A key feature is the availability of a channel that can support individuals who have debt and need to rebuild their lives.
Consultations are free of charge, and individual consultation details are not shared with the company.
■Plans and Usage Fees
Three plans are available, and the "EAP Free Plan" can be introduced at no cost.
＜Please inquire from here for material requests＞
https://form.run/@financial-eap-contact
Moving forward, through "Money EAP," we will continue to provide new options for addressing financial stress in companies and support the creation of an environment where employees can continue to work with peace of mind.
Broadminded Inc.
A financial services development company that supports the realization of people's life plans with the purpose of "Unleashing the Power of Finance." Since its founding in 2002, it has 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 is listed on the Tokyo Stock Exchange Growth Market.
Our main service, "Money Pro," offers proposals by combining products from approximately 60 partner companies, selected by experts who are 100% certified Financial Planners (FP)*¹, from a wide range of options including insurance, securities, and housing loans. Consultations are free of charge and provided from an impartial standpoint, not biased towards any specific financial institution, allowing clients to consult until they are satisfied. With cumulative consultation実績 of 200,000 cases 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 of the "HR Award 2025" (supported by the Ministry of Health, Labour and Welfare) by the Japan HR Association.
We will continue to ask "Whose finance is it for?" as a financial partner and aim to implement "the ideal financial system" in society.
*¹・*² As of June 2025
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◆Company Name: Broadminded Inc. (https://www.b-minded.com/)
◆Representative: Kiyoshi Ito, President and Representative Director
◆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 inquire using 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
Please inquire using this form
FAQ
What kind of service is "Money EAP"?
It is a program where companies indirectly support employees with their money-related issues (debt, financial planning, future anxieties, etc.). Employees can autonomously access support through an online platform or professional advisors (FPs), aiming to reduce financial stress.
Why do companies need to be involved in employees' "money issues"?
Employee financial stress can lead to decreased productivity, increased risk of fraudulent activities, and higher intentions to leave, posing risks that companies cannot ignore. However, due to the private nature of these issues, direct company intervention is difficult. "Money EAP" offers a new option to bridge this gap.
How can employees use the service?
First, employees can visualize their financial situation and work on self-improvement through the online platform "AND CALMO." If further professional support is needed, they can consult with an FP (Financial Planner) free of charge at their own discretion. Consultation details are not shared with the company.
What are the benefits for companies?
By reducing employees' financial stress, companies can expect improvements in productivity, reduction of fraud risks, and lower turnover rates. Furthermore, it offers benefits to both the company and employees as support is provided while respecting employee privacy.
Please tell me about the pricing plans.
The "EAP Free Plan" can be introduced at no cost. Other paid plans tailored to corporate needs are also available. For details, please inquire through the material request form.