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New Research
Staying Invested
Driving Long-Term Participation for Newer Investors in Retail Markets
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Financial security remains out of reach for millions
When most Americans lack financial security, it signals a systems challenge that we must solve together.
Millions of households earning low-to-moderate incomes (LMI) face increasing financial pressure. Volatile income, high costs, and limited access to quality financial products create daily challenges and long-term barriers to wealth.
Solutions exist—and they work when the right partners align around evidence. Commonwealth brings together employers, financial service providers, innovators, and policymakers to design and scale strategies that build real financial security.
Who We Partner With
Partnerships that Drive Financial Opportunity
We partner with employers, financial institutions, fintechs, industry leaders, and policymakers to design solutions that expand financial security and opportunity for millions of people. Our work combines rigorous research, market expertise, and a deep understanding of household financial challenges to create approaches that scale across sectors.
Trusted By
Our Latest Research and Insights
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Helping Families Understand & Access 530A (Trump) Accounts
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Impact Areas
Proven Approaches That Drive Measurable Change
Our work addresses the financial issues that most affect LMI households today by shaping the systems that influence long-term economic opportunity.
Each initiative is grounded in research and shaped in partnership with organizations positioned to drive meaningful impact.
Financial Security Through Work
Helping employers design and scale benefits that improve financial security and retention.
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Access to Wealth Building
Expanding pathways for people to invest and strengthen their financial futures.
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AI for Financial Opportunity
Ensuring AI-powered financial tools advance equity and work for the people who need them most.
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New Pathways to Financial Security
Co-designing and testing complementary solutions with the partners who can deliver them at scale.
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What We’re Working On
Evidence of What Works and What’s Possible
Together with funders and partners, we’re expanding what’s possible for households across the country in workplace financial benefits, inclusive investing, and financial AI. Explore our initiatives and pilot programs to see how we’re turning insights into lasting change.
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A Foundation for Long-Term Security
How Emergency Savings Strengthens Retirement Outcomes
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Latest Research
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Retail Investors on the Rise
What Billions of Transactions Reveal About Today’s Retail Investors Living on Low and Moderate Incomes
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Latest Thinking
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25 Years In and Looking Ahead
Lessons from experimentation, evidence, and partnership, and an invitation to help shape what comes next
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