I remember the evening Shawn Leavitt and Michael Yang sat me down at a bar in Seattle after a dinner for the board of Accolade, a healthcare company I'd co-founded. It quickly became apparent that I was being pitched an idea -- to create a business that would help working families navigate the financial system.

What employers need is safe and effective financial care. Now they can provide their families access to someone knowledgeable, someone on their side, someone who doesn't make money off of their financial product decisions.