Financial Security Through Work
Helping employers design and scale benefits that improve financial security and retention.
Learn More.
Access to Wealth Building
Expanding pathways for people to invest and strengthen their financial futures.
Learn More.
AI for Financial Opportunity
Ensuring AI-powered financial tools advance equity and work for the people who need them most.
Learn More.
New Pathways to Financial Security
Co-designing and testing complementary solutions with the partners who can deliver them at scale.
Learn More.
Key Elements of Commonwealth’s Approach
Every solution we build is grounded in evidence and designed for real-world impact. Our approach integrates four core elements that work together to drive systemic change.
Research
We conduct original qualitative and quantitative research to understand what people living on low and moderate incomes actually experience and what drives meaningful change in their financial lives. Our findings inform every solution we design and are shared publicly to advance the broader field.
Partnerships
The challenges we address cannot be solved by any single actor. We collaborate with employers, financial institutions, fintechs, recordkeepers, payroll providers, and policymakers to co-design and test solutions that are feasible, scalable, and grounded in real-world constraints.
Inform and Influence
We translate research and pilot results into actionable guidance for industry and policy leaders. Through publications, convenings, media, and direct engagement, we build the evidence base and momentum needed to drive adoption at scale.
Equity Lens
Financial insecurity disproportionately impacts Black and Latin households and women across racial groups. We center race and gender equity in our research, solution design, and partnerships to ensure our work reaches the communities most affected by systemic barriers.
Our Focus Areas
Financial Security Through Work
Helping employers design and scale benefits that improve financial security and retention.
Signature Initiative Emergency Savings
Learn More
Signature Initiative Benefits for the Future
Learn More
Impact Stories & Case Studies
-
Transforming Workplace Benefits into an Engine for Financial Health
A Look at the Needs of Workers Earning LMI
Read
-
-
Access to Wealth Building
Expanding pathways for people to invest and strengthen their financial futures.
Signature Initiative The Investor Diaries
Learn More
Signature Initiative The Investor Diaries
Learn More
Impact Stories & Case Studies
-
Retail Investors on the Rise
What Billions of Transactions Reveal About Today’s Retail Investors Living on Low and Moderate Incomes
Read
-
-
AI for Financial Opportunity
Ensuring AI-powered financial tools advance equity and meet the needs of LMI households.
Signature Initiative AI for Good
Learn More
Impact Stories & Case Studies
-
-
A Pivotal Juncture for Financial AI
Designing for the Needs of Low and Moderate Income Households
Read
-
New Pathways to Financial Security
Co-designing and testing complementary solutions with the partners who can deliver them at scale.
Signature Initiative Feeling the Heat
Impact Stories & Case Studies
-
-
-
Unlocking Opportunity
How U.S. Bank and Commonwealth Turn Deposit Windfall Moments into Financial Security
Read the Report