Fin:Fit

The First Financial Health Program Tailored for Women.

Based on real-life coaching experience with > 4000 women since 2018.

Workplaces Across Industries Making Impact Through fin:marie So Far

Financial health, not wellness.

Since 2018.

This financial competence initiative can literally have a life-changing effect on every woman participating in it, as well as their families, communities, and peer groups.

If you have been wondering how to really make a difference:
HERE it is.

"Money is the #1 source of stress for employees."

"...and they have good reasons for it..."

“That can’t really be that dramatic, right?”

0 Mio.€ Less

less cumulative lifetime earnings.

[for women due to pay and career gaps]

0 % Less

less pension money women vs. men in Germany.
[! In the EU alone, these investment + pension gaps affect over 200 million women.]

 
 
 
 
 
0 Years

According to the World Economic Forum it will take 268 years to close the economic gender gap.

That is: If things don’t change.

This is NOT about ‘wellbeing’.
This is about financial
HEALTH.

That's why we support the entire financial journey of women:

[Healing] → Stability → Growth → Legacy

given these facts, it is safe to say:

Women can do with any help and support they can get.

0 %

of all women say that they do not feel understood by financial advisors.

Only 0 %

Only 11% of women invest their money.

Fin:Fit can effectively help with relevant knowledge and helps to get into action sooner rather than later.

fin:marie Corporate Programs

The workshop was very professionally prepared as well as performed and followed up. We can highly recommend the cooperation with fin:marie in the area of personnel development!

Anna Fromme-Schön

Paypal

on leadership positions
0 %
B2B workshops with top clients
> 0
participants
> 0

fin:marie fin:fit

1 program to Solve 5 HR Serious Issues

Helping women overcome this gap is not a luxury or a nice to have.
If you want all their talent and contribution, help them get this topic out of the way
so they can dare to think and contribute big.

1.

Increasing Absenteeism / Sinking Engagement

Buffer against that with this life-changing program. Once participants are more confident about their finances, they will happily give back to the company.

2.

Have the Good Talent Stay

As they say, “The best leave first.” Ensure this does not happen to your company.
You can save enormous money by not having to replace the performers or pay headhunters and investing in lengthy onboarding.

3.

Easy Future Recruitment

A strong employer brand attracts incredible talent that otherwise would be super hard (and/or expensive) to get.

4.

Great for Business Results

Studies have shown: Financially empowered employees are more engaged, productive, and innovative — driving a
stronger bottom line.

5.

Achieve Your DEI Goals

Not only by contributing to your female talent’s career and lives but also by championing supplier diversity.
Partner with a women-owned business based in Germany, renowned for its quality and reliability.

mental health

34%

of employees report that financial stress has significant negative effects on their mental health.

ROI of good retention

Replacing an employee costs 6–9 times her monthly salary.

360.000- 540.000 €

to replace a good junior employee.

real contribution instead of presenteeism

42%

of employees who are financially stressed admit that they are distracted at work by personal financial problems.

151.100.000.000 €

151.1 billion € = potential costs of lack of engagement for the German economy (= companies like yours) due to productivity losses.

We were at the forefront of financial literacy before it became a buzzword. This gives our program special depth by understanding the participant’s real-life needs. Based on this extensive experience, fin:marie Fin:Fit has been developed.
Karolina Decker
CEO fin:marie

We aim for a maximum before/after effect. This is why Fin:Fit is a cleverly interwoven combination of:

• in person vs. online workshop ➔ raise competence and decision making power

• tools and individual training ➔ make sure new knowledge is applied and makes a difference

• coaching and support groups ➔ like in a Gym, provide the supportive context that makes sure your participants stay on their game even through rough patches

The First True Financial Health Training Program that is nothing less than truly transformative.

At fin:marie, as a woman-owned business and mostly female team, we feel responsible for making sure that our training and tools enable a very noticeable, in some cases dramatically positive shift for our participants.

We don’t shy away from the reality of women’s lives; rather, we embrace it and help women actively manage it.

Challenges such as becoming a mom, getting married, unfortunate divorces, sudden widowhood, or simply finding out too late that one should have budgeted better much earlier — we acknowledge and respect these.

We do not have to discuss the negative financial effects of motherhood; we are there to tackle and smooth them out.

 

We know how all of this, including nicely boring normality, can be handled in a financially healthy way. We also know and acknowledge how emotionally challenging it is to feel financially unsafe or even at risk. We help resolve this – and, at best, avoid going there.

We acknowledge that sometimes, the first step is to heal, then to strengthen.

We are aware that healing is often the first step.

That is why our approach is holistic, hybrid and human.

Competence

Human

FinTech Tools

So sorry, not sorry - I might be the princess of my own life but there is no need to be saved by a "Prince Charming", anymore.

A participant of our program.

fin:marie Fin:Fit is a hybrid program (online/in person, tech supported) that is very flexible for the participants. It is long and intense enough to create a true shift in competence and behaviour.

Info

  • It is 6 months from start to wrap-up
  • It starts with in person kick-offs.
  • Continues in a hybrid mode (online, self-paced)
  • It is wrapped up with a report to make sure you can report your goals, also.
  • (typical elements, can be adapted)
  • Overall Intro
  • Budgeting
  • Saving
  • Investing
  • Debt Management
  • Financial Health
  • Mindset
  1. Kick-off event (1 day)
  2. Core workshops (4 sessions, 3 hours each)
  3. Deep dive sessions (2 sessions, 4 hours each)
  4. Individual coaching sessions
  5. Ongoing access to cutting-edge online fintech tools
  6. Closing event and presentation of results (1 day)

All set up for life-changing impact.

Looking for a low friction start? check out the workshop option.

fin:marie is your reliable female-owned partner for the further education of employees on the topics of finance, investment and wealth management.

We conduct personal workshops both online and on-site at your location.

Without unnecessary technical jargon, we make the complex topic of finance truly accessible to your employees.

Start off a shared learning journey, shaping each participant's financial future step by step.

participants
> 0
start immediately with implementation
> 0 %
workshops for female employees at Top 100 companies
> 0
in leadership positions
0 %

Questions you might get asked

Well, we would wish it was different and we pray we will live to see it being unnecessary, at the same time… if we would like to live in a world where women have the same access to financial wealth (and health), we will have to start with filling the competence and confidence gap. Hint: Things will speed up massively if big players such as your company will progress the game!

We think and know: No. It does not. If it is not set up deliberately with women’s realistic lives and challenges in mind and a LOT of respect for that, chances are, it will miss its goal.

Nope, not here, not this time. This initiative is all about creating a safe space without judgment to ease a behaviour and mindset change. Having said that, we are aware that the men in the lives of the women participating in the initiative can be vital enablers or roadblocks. We, therefore, have plans to provide couple coaching. If you’re interested in adding this to your program, give us a heads-up!

They are humans and in any given group we have seen a relatively classic spread between: 30% listening, acting later, 25% start to act immediately, about 15% are not really ready for it yet. It might be a good idea to invite the people who have the most sense of urgency and/or inclination to act first, so they can serve as an inspiration to the others.

Money is a sensible topic in most cultures, we know. Comparisons (such as with Scandinavia) show that transparency and demystification are powerful tools to get this ‘monster’ out of the closet. Money earned, contribution to the business, economic participation and leadership are closely linked. 2 main advantages: The money employees earn will feel like more as it is made better use of. And: The confidence around it and making important decisions will create just that – confident decision makers for your leadership positions pipeline.

Anything else coming up? Let us help you out!

“I have always wanted to feel financially safe - and yes, "healthy" and strong in that sense. After all, this is what I have achieved within the last year. A major wish fulfilled.”

A participant of our program.

important: This is NOT about "wellness".

This is about the antidote against:

1. 000.000 € Lower Income

= cumulative lifetime income of women (mainly due to wage and career differences)

60% Less Pension

for women compared to men in Germany.
[! In the EU alone, over 200 million women are affected by these investment and pension gaps.]

fin:marie workshops thrive on open dialogue in a 'safe space'.

F:

Is a recession
coming in 2025/26?
Should I wait
or invest?

A:

The truth is: Nobody can predict exactly what will happen. But a few things speak in favor of staying the course 👇

3 Pillars of Success in a Financial Health Program

(according to our 7yrs+ experience)

Feeling tangibly supported

Employees greatly appreciate such an initiative from their employer.

Speaking openly in a safe space

Participants feel 'seen' in their particular situation, finally no pressure to justify their subjective perception and real life experience.

finally knowing how to get started

Once female employees have valid input, most start successfully with first measures immediately or within 3 months.

any time again...

87% of customers have given positive feedback and would recommend this product/service to their friends.

Creating a program/training specifically for women – that really resonated with me at fin:marie

Creating a program/training specifically for women – that really resonated with me at fin:marie.

[…] Absolute recommendation for everyone who wants to approach their finances consciously and strategically.

“The workshop that Karolina
held for us was fabulous."

Her workshop was very uplifting, full of useful tips and practical knowledge. It gave us a lot of courage to “get our hands dirty”.

Karolina has a great way of making us aware that managing our finances is far less complicated than it seems and that we are all capable of taking our financial future into our own hands.

participant Workshop Ebay

This Financial Health change program can sustainably change the life of every participating woman – and through this, positiviely impact the lives of their families, communities and social circles.

IN CASE YOU'RE LOOKING FOR A WAY TO TRULY MAKE A DIFFERENCE: HERE IS YOUR CHANCE.