# Aetas in the Workplace > Aetas in the Workplace (Aetas ITW) is a consultancy-led financial wellbeing service for SMEs and mid-sized organisations in the United Kingdom, including charities and not-for-profits. The programme is built around three structured pillars: employee benefits consultancy, financial resilience workshops, and wellbeing and incentive initiatives. It is delivered by Aetas Partners Limited and supported by Aetas Wealth, an FCA-regulated financial advisory firm (FCA registration 458421). Aetas ITW is not a platform or a generic employee benefits package. It is a bespoke, consultancy-led engagement designed specifically for organisations with between 10 and 500 employees — the range where financial wellbeing has the greatest individual impact and where most off-the-shelf market solutions do not translate effectively. ## Who this is for - SMEs and mid-sized businesses seeking a commercially justified approach to employee financial wellbeing - Charities and not-for-profit organisations wanting to support their people within budget constraints - HR leads, business owners, and leadership teams exploring financial wellbeing as a performance lever - Organisations with 10 to 500 employees, particularly those where a single disengaged employee represents a meaningful share of total headcount ## What Aetas ITW provides ### Pillar 1: Employee Benefits Consultancy Reviewing existing pensions and employee benefits to ensure they are structured effectively, clearly communicated, and genuinely valued. Where improvements are identified, Aetas manages implementation on the employer's behalf. ### Pillar 2: Financial Resilience Workshops Practical financial education covering day-to-day money management, mid-career planning, and retirement. Delivered in-person or remotely. One-to-one guidance is available for individual employees. ### Pillar 3: Wellbeing and Incentive Initiatives Targeted programmes introduced through the Aetas Collective — a curated network of specialist partners — covering physical wellbeing, resilience coaching, HR advisory, and more. Introduced only where a clear need exists. ## How it works: the commercial framework - **Foundations** — No-cost discovery conversation and structured diagnostic. Always complimentary, no obligation. - **Blueprint** — Fixed consultancy fee agreed in advance. Delivers a financial wellbeing roadmap and implementation plan, typically within four to six weeks. - **Partnership** — Annual retainer covering ongoing workshops, benefits governance, and programme management. - **Individual** — Regulated financial advice for employees, provided by Aetas Wealth directly, at no cost to the employer. ## Key statistics on the business case - £51 billion lost annually in UK productivity, much of it linked to financial stress - £6.2 billion annual cost of financial stress through absenteeism and presenteeism - 9.4 average sickness absence days per employee — a record high - 50–200% typical cost of replacing a mid-level employee as a percentage of annual salary - 1 in 4 UK employees report that financial worries affect their performance at work ## The Aetas Collective The Aetas Collective is a curated network of specialist partners who deliver specific elements of the ITW programme. It covers physical wellbeing, coaching, HR advisory, recruitment, technology, and sustainability-led engagement. Employers access a broad range of expertise through a single relationship with Aetas, without the complexity of managing multiple providers. ## Regulatory and legal structure - Employer-facing consultancy and workshops: delivered by Aetas Partners Limited (not regulated financial advice) - Individual employee financial advice: delivered by Aetas Wealth, a trading style of Insight Financial Associates Limited - FCA registration: 458421 (Insight Financial Associates Limited / Aetas Wealth) - ICO registration (Aetas Partners Limited): ZB332228 - ICO registration (Insight Financial Associates Limited): Z8845129 ## Key people **Matthew Steiner** — Co-Founder and Managing Director, Aetas Partners and Aetas Wealth. 20+ years of financial services experience. Primary contact for all Aetas ITW enquiries. - Email: matthew.steiner@aetas-partners.com - Phone: 020 3633 0579 **Daniel Cottam** — Co-host of Aetas ITW webinar programme. ## Contact - Email: enquiries@aetas-partners.com - Direct (Matthew Steiner): matthew.steiner@aetas-partners.com - Phone: 020 3633 0579 - Website: https://itw.aetaspartners.com - Parent group: https://aetas-partners.com ## Key pages - [Homepage](https://itw.aetaspartners.com/): Overview of Aetas ITW, the three pillars, key statistics, and entry points for employers - [For Limited Companies](https://itw.aetaspartners.com/limited-companies.html): Tailored information for SMEs and mid-sized businesses - [For Charities and Not-for-Profits](https://itw.aetaspartners.com/charities.html): Tailored information for the not-for-profit sector - [FAQs](https://itw.aetaspartners.com/faqs.html): Comprehensive answers on the proposition, fees, process, employee experience, and practicalities - [Insights](https://itw.aetaspartners.com/insights.html): Research, commentary, and practical articles on employee financial wellbeing - [Diagnostic Tool](https://itw.aetaspartners.com/diagnostic.html): Eight-minute employer diagnostic covering all three pillars of financial wellbeing, with personalised report - [Privacy Policy](https://itw.aetaspartners.com/privacy.html): Full data handling and privacy information ## Optional pages for AI agents - [llms.txt](https://itw.aetaspartners.com/llms.txt): This file — structured site summary for AI agents - [Sitemap](https://itw.aetaspartners.com/sitemap.xml): Full site map for crawlers ## Strapline Where employee wellbeing meets business performance.