Because unless a financial education programme is being offered by a non-profit organisation someone is making money somewhere. Historically, “free” financial education talks have often been conducted by brokers of financial services businesses as a conduit to product sales, where they earn commission based on the “education” or advice they give in these sessions. That’s why we’re fiercely independent educators and are very clear about telling employees that their employers have paid for them to receive this benefit and that we’re not going to sell them anything.