Launch of "AND CALMO," a Financial Platform Supporting Human Capital Management

Broad-minded Inc. (Headquarters: Shibuya-ku, Tokyo; President and Representative Director: Kiyoshi Ito; Securities Code: 7343; hereinafter "the Company"), which operates under the purpose of "Unleashing the Power of Finance" to support the realization of life plans, will launch the online financial platform "AND CALMO" on March 31, 2026.

Background of the Launch In recent years, as human capital management has gained importance, companies are being called upon to support not only their employees' careers but also their lives as a whole. Financial decision-making related to life events—such as home purchases, education expenses, asset formation, and retirement planning—is becoming increasingly complex, leaving many people feeling anxious about the future and finding it difficult to make informed decisions.

On the other hand, financial challenges vary greatly from person to person, and traditional employee benefit programs are often insufficient to cover these areas. In an era of information overload, many employees feel they do not know what is best for them.

Against this backdrop, the concept of "Financial Well-being" has been gaining attention. It is believed that supporting employees in having a clear outlook on their future finances and a secure economic foundation—beyond just job satisfaction and physical health—leads to increased motivation and engagement.

Based on this, the Company has developed "AND CALMO," a financial conditioning platform that provides an environment where employees can proactively think about their own life plans and access the necessary knowledge and support.

What is AND CALMO? "AND CALMO" is a platform for improving one's financial condition. Rather than providing knowledge in a one-way manner, this service uses financial diagnostic results to offer checklists, columns, and opportunities for expert consultation. This supports employees in making decisions based on their own life plans and translating them into concrete actions.

"AND CALMO" is provided as one of the services under our "Financial EAP" (Employee Assistance Program).

<Click here for details on the Financial EAP> https://www.b-minded.com/news/pressrelease/3713/

Main Functions and Features ① Diagnosis: Understanding Your Current State ・CALMO Mate Diagnosis: A diagnostic tool that visualizes "how to handle financial anxiety" based on behavioral and personality tendencies, helping users find ways to move forward. ・Financial Health Check: Allows users to organize their subjective anxieties and objective financial status separately.

② Confirmation: Identifying What Causes Anxiety Since financial anxiety is often described as a vague feeling or something difficult to articulate, we use checklists to help users verbalize their concerns.

③ Action: Understanding the Root of Anxiety Users can delve deeper into the anxieties identified in the checklists through theme-based columns. (Themes include: Household management, housing, education, life insurance, asset management, retirement, nursing care, social insurance, work styles, etc.) A major feature is that columns can be searched not only by topic but also according to the user's current situation and desired actions. Furthermore, simulations allow users to clarify challenges by calculating specific figures for education or retirement funds.

④ Consultation: Not Carrying the Burden Alone At the employee's discretion, they can consult with a Financial Planner (FP) anonymously and online. We have established a window for those who are unsure what to ask or who are uncomfortable disclosing personal information immediately.

Comments from the Developer Madoka Sonoda, Business Development Department, Broad-minded Inc. I believe that financial anxiety is not born solely from a lack of knowledge, but from a "state of being unorganized." Life involves various financial decisions, such as home purchases, education costs, asset formation, and retirement preparation. However, in reality, these often overlap in complex ways, leaving people in a state where they don't know what they are anxious about or where to start thinking. "AND CALMO" was not designed as a place to solve all financial anxieties at once, but as a place to organize them by theme and face them little by little. By taking diagnostics, gaining information, organizing thoughts, and consulting, we aim for users to discover "what is necessary for them right now" as they navigate the platform at their own pace. There is no set order for how to use it. What is important is to have time to think about money in accordance with one's own life plan. I hope that "AND CALMO" will serve as a catalyst for each employee to reduce their financial anxiety and make choices that are true to themselves.