#Japan #Tokyo #Financial Well-Being #Broadmind Inc. #AND CALMO

Launch of AND CALMO: A Financial Wellness Platform

Broadmind Inc., headquartered in Shibuya, Tokyo, is set to launch its innovative online financial platform, AND CALMO, on March 31, 2026, aimed at supporting the burgeoning field of human capital management. With the purpose of "releasing the power of finance", Broadmind focuses on developing and providing financial services that aid individuals in realizing their life plans.

Context of the Offering

As the significance of human capital management rises, companies are increasingly called upon to support not only their employees' careers but their entire life journeys. Decisions related to home ownership, educational expenses, asset formation, and retirement planning have become more complex over time. Many individuals face anxiety about their future and struggle with financial decision-making.

Additionally, financial challenges vary greatly from person to person, making conventional employee benefits insufficient for addressing these diverse needs. Amidst overwhelming information, numerous employees feel lost about what the best solutions are for their unique circumstances. This is where the concept of Financial Well-being gains traction. It emphasizes supporting employees in having a clear outlook on their financial futures, significantly enhancing motivation and engagement in the workplace.

Recognizing these challenges, Broadmind Inc. developed AND CALMO, a money-conditioning platform that allows employees to actively shape their own life plans while accessing necessary knowledge and support.

What is AND CALMO?

AND CALMO is a platform designed to nurture a healthy financial state. Rather than merely providing information in a one-way manner, this service leverages diagnostic results related to financial well-being to provide checklists, articles, and opportunities to consult with professionals. This empowers employees to make decisions based on their personal life plans and translates these choices into tangible actions.

Moreover, AND CALMO is part of the broader service known as “Financial EAP (Employee Assistance Program)”.

You can learn more about the Financial EAP service here.

Key Features of AND CALMO

1. Diagnosis: Understanding Your Situation

• - CALMO Mate Diagnosis: This diagnostic tool visualizes how individuals handle money-related anxieties based on behavioral and personality trends, helping them identify ways to move forward effectively.
• - Financial Health Screening: This enables employees to distinguish between subjective fears and objective financial statuses.

2. Identification: Understanding Your Anxieties

Financial anxieties often manifest as vague concerns that are hard to articulate. Checklists are employed to help employees verbalize their worries.

3. Action: Discerning the Nature of Anxieties

Using the words and themes from the checklists, employees can dive deeper into specific anxieties through thematic articles. The platform features a plethora of topics including household management, housing, education, life insurance, investment, retirement, nursing care, social insurance, and employment styles. A significant characteristic of this resource is how users can find relevant articles tailored to their present conditions and desires.

Additionally, simulations provide clarity on figures related to educational funds or retirement savings, making it easier to pinpoint challenges.

4. Consultation: Don’t Bear It Alone

Employees have the option to anonymously consult with financial planners online based on their preferences. Specialized support is available for those unsure about their issues or hesitant to disclose personal information at first.

Comments from the Development Lead

Madoka Sonoda from the Business Development Department at Broadmind Inc. states:

"Anxiety regarding finances often arises not merely from a lack of knowledge but from a state of disorganization. Throughout life, various financial decisions such as purchasing a home or preparing for retirement can become intertwined and complex. This can lead to confusion about what truly causes anxiety or what steps to take next. AND CALMO is designed not as an instant solution for all financial worries but as a space to address and organize these issues over time. Users can engage at their own pace, allowing them to discover 'what they need right now'. The goal is that through this process, financial concerns become lighter, enabling employees to make choices that reflect their true selves."

Since its inception in 2002, Broadmind Inc. has committed to a mission of "releasing the power of finance" and empowering individuals to realize their life vision. As a fully independent firm, Broadmind offers one-stop assistance to both individuals and corporations. With a 100% financial planner certification rate query moment, along with a remarkable cumulative consultation record of 200,000 and a satisfaction rate of 98.9%, Broadmind is committed to leading in the realm of employee financial education. Their program 'Brokory’ won a prestigious award, recognizing their contribution to workforce financial education. As the company continues to press forward, it remains dedicated to implementing 'ideal finance' into society.