We work with employers, the financial services industry, funders, and policymakers to design solutions that expand financial access and security.
A proven model for turning insight into impact
Collaboration that Leads to Scalable, Real-World Solutions
We help partners move from understanding financial challenges to deploying solutions that work in practice.

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Who We Partner With
Workplace & Benefits
Strengthen your workforce’s financial security.
Partner with us to design, test, and scale workplace benefits that improve retention, productivity, and well-being—and reduce the downstream costs of financial stress. We work across the full workplace ecosystem: employers and the providers who design and administer benefits, including recordkeepers, payroll providers, benefits administrators, and other workplace solutions providers.
We help employers and workplace solutions providers deploy intentional financial benefits that drive retention, reduce financial stress, and deliver measurable outcomes for workers and businesses. Our work spans the full workplace ecosystem—from the employers who offer benefits to the recordkeepers, payroll providers, benefits administrators, and solutions providers who design and deliver them.
What Makes a Strong Partnership with Financial Institutions
Workforce well-being viewed as a core business and product priority
Willingness to pilot, measure, and iterate against clear success metrics
Sector influence that extends proven solutions beyond a single workplace or platform
Cross-functional buy-in across HR, benefits, product, finance, and leadership
Impact Stories & Case Studies
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The Power of Payroll
Driving ‘Sticky’ Savings Behaviors with GXO’s New Emergency Savings Benefit
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Financial Ecosystem
Serve more customers, more effectively.
Partner with us to co-design products, tools, and experiences that expand access, build trust, and deliver real financial outcomes at scale. We collaborate across the financial ecosystem—banks, credit unions, investment firms, fintechs, recordkeepers, and other innovators—to move solutions from insight to market.
We help banks, credit unions, investment firms, fintechs, and other financial innovators design products and experiences that build trust, expand access, and deepen relationships with customers living on low and moderate incomes. By working across the full financial ecosystem, we help partners pressure-test ideas, refine experiences against real user behavior, and bring solutions to market that meet operational and regulatory realities.
What Makes a Strong Partnership with Financial Institutions
Customer-centered orientation and mission alignment around financial security, access, and trust for people living on low and moderate incomes
Capacity to test and iterate based on real customer behavior and evidence
Executive sponsorship for evidence-based product and design decisions
Willingness to share learnings so the broader field industry advances together
Impact Stories & Case Studies
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Unlocking Opportunity
How U.S. Bank and Commonwealth Turn Deposit Windfall Moments into Financial Security
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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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Funders, Researchers, & Field Builders
Fuel learning, leverage, and systems change.
Partner with us to invest in research, pilots, and field-building work that multiply impact across sectors. We collaborate with philanthropic and corporate funders, academic researchers, and field-building organizations to advance the evidence base and accelerate what works by turning capital, expertise, and convening power into systems change. Through rigorous research, high-leverage pilots, and shared learning, we help create the momentum needed to advance financial security and opportunity at scale.
What Makes a Strong Partnership with Funders
Commitment to systems change beyond individual program outcomes
Multi-year horizons that allow pilots to mature into industry practice
Evidence and measurement as the foundation for field-wide influence
Openness to co-investing with aligned partners across sectors
Impact Stories & Case Studies
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Transforming Workplace Benefits into an Engine for Financial Health
A Look at the Needs of Workers Earning LMI
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Government & Policy
Ground policy in evidence that works.
We help policymakers, regulators, and public sector leaders translate research, pilot findings, and field learning into legislation, regulation, and public programs that build financial security at scale. Our 25 years of evidence—including work that helped advance the passage of SECURE 2.0—equip policy partners to design solutions grounded in what actually works for people living on low and moderate incomes.
What Makes a Strong Partnership with Policymakers
Focus on evidence-based policy with broad, systemic reach
Openness to pilot data and field learnings as inputs to policy design
Commitment to LMI household outcomes as a central policy priority
Willingness to convene across public, private, and nonprofit sectors
Impact Stories & Case Studies







































Partner Testimonials
Work with us Current Opportunities
Workplace & Benefits Benefits for the Future
The workplace is one of the most powerful channels for improving financial security. Partner with Commonwealth and join a growing network of employers and industry leaders working to redesign workplace financial benefits. Together, we’re testing and scaling innovative approaches that help workers build long-term financial security through benefits like emergency savings, retirement, education savings, and more.
Workplace & Benefits Emergency Savings Initiative
Join a growing network of employers, benefits providers, recordkeepers, fintechs and financial institutions working to make emergency savings more accessible for millions of workers and families. Commonwealth partners with organizations ready to test, scale, and advance innovative solutions to strengthen financial security and retirement readiness, and deliver meaningful impact at scale through BlackRock’s Emergency Savings Initiative (ESI).
Financial Ecosystem The Investor Diaries
Partner with Commonwealth to help more people stay invested through financial shocks by connecting emergency savings and investing— especially for investors living on low and moderate incomes. We’re collaborating with investment platforms to pilot consumer-centered, real-world solutions, and inform products and experiences that support long-term financial security.
Financial Ecosystem 530A
Millions of children from families living on LMI stand to benefit from the $1,000 federal seed contributions attached to 530A “Trump” Accounts, but are at risk of missing the benefits. Partner with Commonwealth to help families begin investing early, foster an investor identity, and test messages and innovative strategies that expand participation and long-term wealth-building. Join us in building and scaling solutions that make early investing more accessible for families across the country.
Funders, Researchers, & Policy Financial Security & Opportunity
Systems change requires funders willing to partner with us and invest in ambitious, industry-shaping work. Support one of our current projects or provide general operating support to help us conduct original research, run pilots, and inform policy that democratizes the financial services industry. Join us in redesigning the systems that determine who has opportunities to build wealth in the U.S.
Funders, Researchers, & Policy Financial AI
As AI reshapes financial services, Commonwealth is working to ensure that it serves everyone, especially those with low and moderate incomes. Partner with us to center the needs of households living on LMI in the design of AI-driven financial tools, from personalized benefits guidance to debt reduction to investing. Together, we can test and scale AI solutions that build trust, expand access, and make wealth possible for all.
Funders, Researchers, & Policy Caregiving
Support the unique financial needs of unpaid caregivers across life stages through partnerships and product innovation. We are seeking partnerships to supplement Prudential products with new tools or information to support caregiver’s financial needs. Learn more about our recent work and how your partnership could support innovation.












