Financial wellness DONE RIGHT
Your employees’ money worries don’t stay at home.
Tortoise is the financial wellness benefit that builds real skill. Personalized, two-minute lessons and hands-on investing with real money help employees move from stressed to steady.
✓ Grounded in learning science ✓ No streaks, no gimmicks ✓ No products to sell
The business problem
Financial stress isn’t just a personal issue. It’s a workplace one, too.
47%
The average share of basic personal finance questions U.S. adults answer correctly. The lowest in the index’s 10-year history.
Sources: TIAA Institute and GFLEC, Personal Finance (P-Fin) Index, June 2026; SHRM and Raymond James, The State of Financial Wellness, June 2026.
Financial literacy in the U.S. has not improved in a decade, and the cost lands on the job: hours of distraction every week, and higher turnover where financial support falls short.
~5 hrs
Per week the average worker spends dealing with personal finance issues while at work. Nearly 11 for workers with very low financial literacy. Hard to believe, but true.
2x
How much more likely organizations with underdeveloped financial wellness programs are to report high employee turnover.
Why Tortoise is different
Most financial wellness benefits inform. Tortoise builds skill.
Not generic content
Personal from the first lesson
AI-driven recommendations surface what matters to each person’s life and gaps, instead of pushing everyone down the same path. Employees choose; Tortoise guides.
Not a simulator
Practice with real money
Learning connects to a real investing account, so knowledge turns into lasting habits. Real stakes reward patience, not the gambling instincts that play money encourages.
Not engagement tricks
Built on how adults learn
Designed from multimedia learning research, scaffolding and adult learning theory. No streaks or guilt. People come back because it’s relevant.
For employers
A benefit that earns its place in your budget.
You’re accountable for engagement, retention and the value of every benefit dollar. Tortoise is designed to show its impact, not just its availability.
01 Less financial distraction at work
Target the root cause of money stress, low financial capability, rather than the symptoms.
02 Measurable, not just available
Aggregate reporting on participation and knowledge growth, tied to the engagement outcomes you already track. Individual data stays private.
03 A benefit people actually talk about
A modern, personal experience that signals real investment in your most valuable asset: your people.
04 Light lift for HR
Integration is quick and straightforward. No complex onboarding, no impact to the other benefits you offer your employees.
For employees
From “I should really figure this out”
to “I’ve got this.”
Tortoise meets each person where they are, whether that’s building a first emergency fund or finally understanding their 401(k).
Step 1
Start where you are
A short check-in maps goals, confidence and knowledge gaps. No judgment, no jargon.
Step 2
Learn in two minutes
Short video lessons chosen for your situation, with quick checks that make knowledge stick.
Step 3
Invest for real
Put what you learn to work in your own investing account, with guidance at every step.
Step 4
Ask anything
An AI guide explains the why behind every concept, in plain language, whenever questions come up.
Our philosophy
Slow and steady isn’t a slogan. It’s the method.
Wealth isn’t built by chasing the next hot stock, and knowledge isn’t built by cramming. Tortoise rewards understanding over speculation, and patience over risk-taking.
Questions
What benefits leaders ask us
Who is Tortoise built for?
Organizations that want a modern financial wellness benefit employees will actually use.
How is it priced?
Tortoise is priced to comfortably fit into your existing benefits budget. Specifics will be discussed during your demo.
Can we see individual employees’ finances?
No. In the interest of your employees’ privacy, employers see aggregate, anonymized reporting only.
Where are employee investments held?
Brokerage and custody services are provided by Interactive Brokers LLC (IBKR), a member NYSE - FINRA - SIPC and regulated by the US Securities and Exchange Commission and the Commodity Futures Trading Commission. Providing these services should not be viewed as an endorsement by IBKR.
Now welcoming founding employer partners
Build financial confidence into your benefits.
See Tortoise in 30 minutes and learn how a pilot could work for your team.
Or email demo@tortoisewealth.co