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1000001853</image:title></image:image><lastmod>2025-11-21</lastmod></url><url><loc>https://mintago.com/salary-sacrifice</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/ev-1.png</image:loc><image:caption>ev-1</image:caption><image:title>ev-1</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Refurbished2.png</image:loc><image:caption>Refurbished2</image:caption><image:title>Refurbished2</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/cycle-1.png</image:loc><image:caption>cycle-1</image:caption><image:title>cycle-1</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Home%20and%20Garden.jpg</image:loc><image:caption>Home and Garden</image:caption><image:title>Home and Garden</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Minimum%20wage.jpg</image:loc><image:caption>Minimum wage</image:caption><image:title>Minimum wage</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/27001-RGB-White.jpg</image:loc><image:caption>27001-RGB-White</image:caption><image:title>27001-RGB-White</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_Logo_App_Icon_onBlue_RGB.png</image:loc><image:caption>Mintago_Logo_App_Icon_onBlue_RGB</image:caption><image:title>Mintago_Logo_App_Icon_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Childcare.png</image:loc><image:caption>Childcare</image:caption><image:title>Childcare</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/pensions.png</image:loc><image:caption>pensions</image:caption><image:title>pensions</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/SalSacmid2.png</image:loc><image:caption>SalSacmid2</image:caption><image:title>SalSacmid2</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/tech-and-mobile.png</image:loc><image:caption>tech-and-mobile</image:caption><image:title>tech-and-mobile</image:title></image:image><lastmod>2025-10-31</lastmod></url><url><loc>https://mintago.com/blog/employee-resilience-wellbeing/empowering-employees-financial-success-new-year</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/Blog-Post-Cover-8.png</image:loc><image:caption>Blog-Post-Cover-8</image:caption><image:title>Blog-Post-Cover-8</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/financial-wellbeing-education/employees-improve-finances-2022</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/1641909663033.jpg</image:loc><image:caption>1641909663033</image:caption><image:title>1641909663033</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/cost-of-living-financial-challenges/role-employers-rising-energy-bills</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/heating.jpg</image:loc><image:caption>heating</image:caption><image:title>heating</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/financial-wellbeing</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_Logo_App_Icon_onBlue_RGB.png</image:loc><image:caption>Mintago_Logo_App_Icon_onBlue_RGB</image:caption><image:title>Mintago_Logo_App_Icon_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Minimum%20wage.jpg</image:loc><image:caption>Minimum wage</image:caption><image:title>Minimum wage</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Dark%20Blue%20Check.png</image:loc><image:caption>Dark Blue Check</image:caption><image:title>Dark Blue Check</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/27001-RGB-White.jpg</image:loc><image:caption>27001-RGB-White</image:caption><image:title>27001-RGB-White</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Home%20and%20Garden.jpg</image:loc><image:caption>Home and Garden</image:caption><image:title>Home and Garden</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/minimum%20wage%20V2.jpg</image:loc><image:caption>minimum wage V2</image:caption><image:title>minimum wage V2</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/financial-wellbeing.png</image:loc><image:caption>financial-wellbeing</image:caption><image:title>financial-wellbeing</image:title></image:image><lastmod>2025-03-12</lastmod></url><url><loc>https://mintago.com/blog/salary-sacrifice/salary-sacrifice-questions-answered</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/Salary-sacrifice-your-questions-answered.png</image:loc><image:caption>Salary-sacrifice-your-questions-answered</image:caption><image:title>Salary-sacrifice-your-questions-answered</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><lastmod>2025-11-21</lastmod></url><url><loc>https://mintago.com/blog/employee-resilience-wellbeing/money-its-cool-to-be-kind</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/600089cdb3662e445355dad2_paper-people-chain-circle.jpg</image:loc><image:caption>600089cdb3662e445355dad2_paper-people-chain-circle</image:caption><image:title>600089cdb3662e445355dad2_paper-people-chain-circle</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/salary-sacrifice/childcare-salary-sacrifice-advantages-employees-business</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/How-you-can-support-your-employees-going-through-the-menopause-LinkedIn-1.png</image:loc><image:caption>How-you-can-support-your-employees-going-through-the-menopause-LinkedIn-1</image:caption><image:title>How-you-can-support-your-employees-going-through-the-menopause-LinkedIn-1</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/press/mintago-finalist-startup-awards-2023</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/LinkedIn-PR-Cover-47.png</image:loc><image:caption>LinkedIn-PR-Cover-47</image:caption><image:title>LinkedIn-PR-Cover-47</image:title></image:image><lastmod>2025-11-21</lastmod></url><url><loc>https://mintago.com/blog/show-support-lgbtq-employees</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Pride-Month.jpg</image:loc><image:caption>Pride-Month</image:caption><image:title>Pride-Month</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><lastmod>2025-11-21</lastmod></url><url><loc>https://mintago.com/blog/press/mintago-sme-news-uk-enterprise-awards</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/Landing-Page-Hero-Image-34.png</image:loc><image:caption>Landing-Page-Hero-Image-34</image:caption><image:title>Landing-Page-Hero-Image-34</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/cost-of-living-financial-challenges/improve-employee-financial-wellbeing</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/Artboard-1.jpg</image:loc><image:caption>Artboard-1</image:caption><image:title>Artboard-1</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/employee-resilience-wellbeing/keeping-top-performers-happy-motivated</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/Blog-Post-Cover-13.png</image:loc><image:caption>Blog-Post-Cover-13</image:caption><image:title>Blog-Post-Cover-13</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/hr-pension-salary-sacrifice-employee-impact-retirement-savings-financial-advice</loc><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/pension-salary-sacrifice-budget-changes-explained.mov/medium.jpg</video:thumbnail_loc><video:title>pension-salary-sacrifice-budget-changes-explained</video:title><video:description>In this video, James Justice, an independent financial adviser tells HR and Finance managers what changes to Pension Salary Sacrifice were announced in the 2025 UK Autumn Budget.

Watch this video to learn:

* How Pension Salary Sacrifice works
* How much the new cap on Pension Salary Sacrifice savings will be
* When the cap will be introduced
* How the cap affects employee and employer savings</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/pension-salary-sacrifice-budget-changes-explained.mov</video:content_loc><video:duration>46</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>EmployeePensions</video:tag><video:tag>EmployeeBenefits</video:tag><video:tag>PensionSalarySacrifice</video:tag><video:tag>Budget2025</video:tag><video:tag>FinancialAdvice</video:tag><video:tag>PensionContributions</video:tag><video:tag>SalarySacrifice</video:tag></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/pension-salary-sacrifice-budget-cap-what-should-employees-do.mov/medium.jpg</video:thumbnail_loc><video:title>Pension Salary Sacrifice Budget Cap What Should Employees Do</video:title><video:description>In this video, James Justice, an independent financial adviser tells HR and Finance managers what the upcoming changes to Pension Salary Sacrifice mean for your employees and their retirement savings.

Key takeaways from this video include:

- Why some of your employees may want to optimise their pension savings strategy before 2029 to maximise their savings.
- Specific advice for employees nearing retirement.
- Recommendations on adopting a more aggressive approach to pension contributions in the lead-up to regulatory changes.

This video provides valuable insights and actionable advice for those looking to enhance their pension savings and secure a more comfortable retirement.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/pension-salary-sacrifice-budget-cap-what-should-employees-do.mov</video:content_loc><video:duration>22</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>EmployeeBenefits</video:tag><video:tag>PensionSalarySacrifice</video:tag><video:tag>Budget2025</video:tag><video:tag>FinancialAdvice</video:tag><video:tag>PensionContributions</video:tag><video:tag>RetirementSavings</video:tag></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/how-can-employees-maximise-pension-savings.mov/medium.jpg</video:thumbnail_loc><video:title>How Can Employees Maximise Pension Savings</video:title><video:description>Are your employees maximising their pension growth potential? In this video, James Justice, an independent financial adviser reveals surprising truths about pension contributions, tax relief, and investment growth that every HR and Finance manager should know.

Key topics covered include:
- Understanding the true sources of pension value: Learn how much pension growth actually comes from tax relief, employer contributions, and investment returns.
- The importance of investment growth: Discover why focusing on investment strategy can significantly enhance your employees' pension value over time.
- Evaluating risk: Why your employees should assess their risk tolerance and its impact on pension returns.
- Preparing for pension rule changes: With new tax regulations on the horizon, now is the time for your employees to review pension pots and ensure they align with retirement goals.

Key takeaways:
- Investment growth accounts for a staggering 65% of pension growth, far exceeding contributions and tax relief.
- A small adjustment in investment strategy can lead to substantial differences to your employees' retirement savings – potentially adding hundreds of thousands to their pension pots.
- Utilising resources like the Mintago app can connect your employees with financial advisers who can provide personalised guidance to help them optimise pension investments.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/how-can-employees-maximise-pension-savings.mov</video:content_loc><video:duration>123</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>FinancialAdvisors</video:tag><video:tag>RetirementPlanning</video:tag><video:tag>WorkplacePensions</video:tag><video:tag>InvestmentStrategies</video:tag><video:tag>PensionGrowth</video:tag></video:video><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/IFS%20Gamble%20Blog%202.jpg</image:loc><image:caption>IFS Gamble Blog 2</image:caption><image:title>IFS Gamble Blog 2</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><lastmod>2026-07-07</lastmod></url><url><loc>https://mintago.com/about-mintago</loc><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Funding%20Interview%20with%20subs.mp4/medium.jpg</video:thumbnail_loc><video:title>Mintago supporting SME businesses with employee benefits</video:title><video:description>Are you passionate about improving financial well-being for employees? Join us in this insightful discussion about Mintago, a groundbreaking initiative designed to enhance financial health in the workplace.

In this video, we explore the origins of Mintago, founded with a mission to create a positive social impact by addressing the financial challenges that affect mental and physical health. Learn about the importance of financial education and the lack of money management skills taught in schools.

Key themes covered include:

**Employee-Centric Solutions**: Discover how Mintago focuses on driving value for both employees and employers by identifying lost pensions and reducing childcare costs.
**Success Stories**: Hear real feedback from employees grateful for the financial advice and support they receive, leading to significant annual savings.
**Employer Benefits**: Understand how Mintago aids employers in attracting top talent while also providing measurable financial benefits, including over £4 million in savings annually.
**Future Growth**: Explore Mintago's expansion into new markets and the recent funding that will enhance their ability to engage employees effectively.

Key takeaways from this video include:

- The critical link between financial health and overall wellbeing.
- Strategies for employers to support their staff financially and improve retention.
- Insights into Mintago's innovative approach to financial well-being and how it sets them apart in the industry.

Join us as we celebrate the remarkable journey of Mintago and its commitment to making a tangible difference in the lives of employees and employers alike.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Funding%20Interview%20with%20subs.mp4</video:content_loc><video:duration>183</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>SocialImpact</video:tag><video:tag>EmployeeBenefits</video:tag><video:tag>EmployeeEngagement</video:tag><video:tag>FinancialWellBeing</video:tag><video:tag>FinancialEducation</video:tag></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/(Updated)%20founders%20trailer%20(1).mp4/medium.jpg</video:thumbnail_loc><video:title>(Updated) founders trailer (1)</video:title><video:description>(Updated) founders trailer (1)</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/(Updated)%20founders%20trailer%20(1).mp4</video:content_loc><video:duration>152</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Northumbria%20Police%20Force.png</image:loc><image:caption>Northumbria Police Force</image:caption><image:title>Northumbria Police Force</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imagine%20Cruising.png</image:loc><image:caption>Imagine Cruising</image:caption><image:title>Imagine Cruising</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Dot-Dart-Penny.png</image:loc><image:caption>Dot-Dart-Penny</image:caption><image:title>Dot-Dart-Penny</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Logos-Update-WhiteNHS.png.png</image:loc><image:caption>Logos-Update-WhiteNHS.png</image:caption><image:title>Logos-Update-WhiteNHS.png</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Logos-Update-WhitePho.png</image:loc><image:caption>Logos-Update-WhitePho</image:caption><image:title>Logos-Update-WhitePho</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Logos-Update-WhiteToniandGuy.png.png</image:loc><image:caption>Logos-Update-WhiteToniandGuy.png</image:caption><image:title>Logos-Update-WhiteToniandGuy.png</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Logos-Update-WhiteOlio.png-1.png</image:loc><image:caption>Logos-Update-WhiteOlio.png-1</image:caption><image:title>Logos-Update-WhiteOlio.png-1</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Armani.png</image:loc><image:caption>Armani</image:caption><image:title>Armani</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Logos-Update-WhiteMental-health-UK.png.png</image:loc><image:caption>Logos-Update-WhiteMental-health-UK.png</image:caption><image:title>Logos-Update-WhiteMental-health-UK.png</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Layer_1%20(1).png</image:loc><image:caption>Layer_1 (1)</image:caption><image:title>Layer_1 (1)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Logos-Update-WhiteChillies.png-.png</image:loc><image:caption>Logos-Update-WhiteChillies.png-</image:caption><image:title>Logos-Update-WhiteChillies.png-</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/DotandDart.png</image:loc><image:caption>DotandDart</image:caption><image:title>DotandDart</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Logos-Update-WhiteAvis.png.png</image:loc><image:caption>Logos-Update-WhiteAvis.png</image:caption><image:title>Logos-Update-WhiteAvis.png</image:title></image:image><lastmod>2026-05-23</lastmod></url><url><loc>https://mintago.com/blog/5-ways-reduce-recruitment-costs</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/recruitmentFaster.jpg</image:loc><image:caption>recruitmentFaster</image:caption><image:title>recruitmentFaster</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><lastmod>2025-11-21</lastmod></url><url><loc>https://mintago.com/blog/employee-resilience-wellbeing/supporting-midlife-women-mintago-webinar</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/Empowering-Midlife-Women-in-the-Workplace-Insights-from-Mintagos-Webinar-Blog.png</image:loc><image:caption>Empowering-Midlife-Women-in-the-Workplace-Insights-from-Mintagos-Webinar-Blog</image:caption><image:title>Empowering-Midlife-Women-in-the-Workplace-Insights-from-Mintagos-Webinar-Blog</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/press/mintago-raises-1-million-preseed-fundraise</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/Mintago-LinkedIn-Templates.png</image:loc><image:caption>Mintago-LinkedIn-Templates</image:caption><image:title>Mintago-LinkedIn-Templates</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><lastmod>2025-11-21</lastmod></url><url><loc>https://mintago.com/blog/financial-wellbeing-education/a-financial-path-for-everyone</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/How-to-help-build-a-financial-path-for-every-employee.png</image:loc><image:caption>How-to-help-build-a-financial-path-for-every-employee</image:caption><image:title>How-to-help-build-a-financial-path-for-every-employee</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/Get-Started-Mintago-1024x576-2.png</image:loc><image:caption>Get-Started-Mintago-1024x576-2</image:caption><image:title>Get-Started-Mintago-1024x576-2</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/financial-wellbeing-education/financial-education-part-5-5-looking-to-the-future</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/Key-Art.jpg</image:loc><image:caption>Key-Art</image:caption><image:title>Key-Art</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/press/mintago-fsb-awards-2022-shortlist</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/Mintago-LinkedIn-Templates-32.png</image:loc><image:caption>Mintago-LinkedIn-Templates-32</image:caption><image:title>Mintago-LinkedIn-Templates-32</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/retaining-women-hrs-big-strategy-mistake</loc><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Georgie%20Mack%20%E2%80%93%20Where%20HR%20Should%20Start%20When%20Building%20a%20Strategy%20for%20Retaining%20Women.mp4/medium.jpg</video:thumbnail_loc><video:title>Georgie Mack – Where HR Should Start When Building a Strategy for Retaining Women</video:title><video:description>In today's evolving workplace landscape, supporting women and fostering inclusivity is more crucial than ever. In this video, Georgie Mack dives deep into the nuances of creating a supportive environment for all employees, focusing on practical strategies that organisations can implement.

Key topics discussed in this video include:
- The limitations of generic approaches to workplace inclusivity and why tailored strategies are essential.
- Understanding the unique culture and system of your workplace to effectively support women and all employees.
- The importance of evidence-based practices over guesswork when assessing workplace needs.
- Insight into how to create meaningful change by identifying specific areas where employers can exert influence.

Viewers will gain actionable insights on how to recognize and address the distinct challenges faced by female employees, enhancing overall workplace satisfaction and productivity. This video emphasises the need for a thoughtful approach to employee support, highlighting that each workplace is unique and requires a customised strategy for optimal impact.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Georgie%20Mack%20%E2%80%93%20Where%20HR%20Should%20Start%20When%20Building%20a%20Strategy%20for%20Retaining%20Women.mp4</video:content_loc><video:duration>70</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>HRStrategy</video:tag><video:tag>EmployeeBenefits</video:tag><video:tag>EmployeeRetention</video:tag><video:tag>HRData</video:tag><video:tag>RetainingWomen</video:tag><video:tag>WorkplaceStrategy</video:tag><video:tag>Turnover</video:tag><video:tag>EmployeeSupport</video:tag><video:tag>Retention</video:tag></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Georgie%20Mack%20%E2%80%93%20What%20Do%20Standard%20HR%20Stategies%20Miss.mp4/medium.jpg</video:thumbnail_loc><video:title>Georgie Mack – What Do Standard HR Stategies Miss</video:title><video:description>Are traditional engagement surveys failing to capture the true essence of workplace wellbeing? In this insightful video, Georgie Mack explains the limitations of conventional measurement tools and proposes a more scientific approach to understanding employee health and energy in the workplace.

Key points discussed in the video include:

- **The Limitations of Engagement Surveys**: Georgie explains how many surveys are sentiment-driven and often include token questions regarding wellbeing that fail to provide actionable insights.

- **The Importance of Evidence-Based Data**: Discover why it's essential to adopt a systematic approach to workplace wellbeing, focusing on the nuances that affect employee experience and productivity.

- **The Role of Energy in the Workplace**: Georgie talks about the critical yet often overlooked dimension of energy among teams. Learn how energy levels can significantly impact performance and overall business outcomes.

- **Revisiting Measurement Strategies**: Georgie recommends a reevaluation of what organisations measure and value when it comes to employee engagement and wellbeing.

By the end of this video, viewers will gain actionable insights into how to improve workplace wellbeing through better data collection and understanding of employee dynamics.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Georgie%20Mack%20%E2%80%93%20What%20Do%20Standard%20HR%20Stategies%20Miss.mp4</video:content_loc><video:duration>125</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>HRStrategy</video:tag><video:tag>HRTools</video:tag><video:tag>EmployeeBenefits</video:tag><video:tag>EmployeeRetention</video:tag><video:tag>EngagementSurveys</video:tag><video:tag>WorkplaceWellbeing</video:tag><video:tag>HRData</video:tag><video:tag>EmployeeAbsenteeism</video:tag></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Georgie%20Mack%20%E2%80%93%20The%20Business%20Case%20for%20Supporting%20Women%20in%20Work.mp4/medium.jpg</video:thumbnail_loc><video:title>Georgie Mack – The Business Case for Supporting Women in Work</video:title><video:description>Georgie Mack explains the business impact of the challenges faced by women throughout their careers.

Key themes discussed in this video include:

- **Workplace Challenges for Women**: We explore how the demands of balancing work and home life can make it untenable for women, leading to difficult choices between part-time work or leaving the organisation altogether.

- **Impact of Employee Turnover**: Discover the financial implications of losing experienced female employees, with estimates suggesting that replacing a senior professional can cost between 75% to 150% of their annual salary. 

- **Presenteeism and Wellbeing**: Georgie addresses the risks of presenteeism and stress-related health issues that arise when employees feel overwhelmed by their dual roles. 

- **Proactive Measures**: Learn how organisations can leverage data to identify potential risks and take preventive actions to support their employees before it’s too late.

By viewing this video, you will gain crucial insights into managing employee wellbeing, particularly for women in leadership roles. Understand how fostering a supportive environment can not only retain valuable talent but also enhance the overall corporate culture.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Georgie%20Mack%20%E2%80%93%20The%20Business%20Case%20for%20Supporting%20Women%20in%20Work.mp4</video:content_loc><video:duration>107</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>Productivity</video:tag><video:tag>EmployeeRetention</video:tag><video:tag>RetainingWomen</video:tag><video:tag>Turnover</video:tag><video:tag>Absenteeism</video:tag><video:tag>Retention</video:tag><video:tag>WomenInWorkplace</video:tag></video:video><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Dismay%20GIF.gif</image:loc><image:caption>Dismay GIF</image:caption><image:title>Dismay GIF</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Woman%20Data%20Blog.jpg</image:loc><image:caption>Woman Data Blog</image:caption><image:title>Woman Data Blog</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Joey-Friends-Listen-GIF.gif</image:loc><image:caption>Joey-Friends-Listen-GIF</image:caption><image:title>Joey-Friends-Listen-GIF</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/employee-resilience-wellbeing/remote-working-embracing-technology-for-wellbeing</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/600089cdb3662e5a1455d9b5_black-pencils-in-pot.jpg</image:loc><image:caption>600089cdb3662e5a1455d9b5_black-pencils-in-pot</image:caption><image:title>600089cdb3662e5a1455d9b5_black-pencils-in-pot</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/pension-retirement-planning/lost-pension-dilemma</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image 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Brushstrokes</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Parnerships/Healthkey.png</image:loc><image:caption>Healthkey</image:caption><image:title>Healthkey</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Parnerships/Mercer.png</image:loc><image:caption>Mercer</image:caption><image:title>Mercer</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Parnerships/Ilumiti.png</image:loc><image:caption>Ilumiti</image:caption><image:title>Ilumiti</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Parnerships/One%20Financial%20Solutions.png</image:loc><image:caption>One Financial Solutions</image:caption><image:title>One Financial Solutions</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Parnerships/Breathe.png</image:loc><image:caption>Breathe</image:caption><image:title>Breathe</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Parnerships/Nat.png</image:loc><image:caption>Nat</image:caption><image:title>Nat</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Parnerships/Clari.png</image:loc><image:caption>Clari</image:caption><image:title>Clari</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Parnerships/TECS.png</image:loc><image:caption>TECS</image:caption><image:title>TECS</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Parnerships/ELMO.png</image:loc><image:caption>ELMO</image:caption><image:title>ELMO</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mark%20French.png</image:loc><image:caption>Mark French</image:caption><image:title>Mark French</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Partner%20Hero%20Dot%20Dart.png</image:loc><image:caption>Partner Hero Dot Dart</image:caption><image:title>Partner Hero Dot Dart</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Parnerships/heart.png</image:loc><image:caption>heart</image:caption><image:title>heart</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Parnerships/North%20Yorkshire%20HR%20Solutions.png</image:loc><image:caption>North Yorkshire HR Solutions</image:caption><image:title>North Yorkshire HR Solutions</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Parnerships/Insight%20FA.png</image:loc><image:caption>Insight FA</image:caption><image:title>Insight FA</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Parnerships/Growth-1.png</image:loc><image:caption>Growth-1</image:caption><image:title>Growth-1</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Parnerships/thumbs%20up.png</image:loc><image:caption>thumbs up</image:caption><image:title>thumbs up</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Parnerships/trophie.png</image:loc><image:caption>trophie</image:caption><image:title>trophie</image:title></image:image><lastmod>2026-07-03</lastmod></url><url><loc>https://mintago.com/blog/press/mintago-thehbpgroup-partner</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/LinkedIn-PR-Cover-11.png</image:loc><image:caption>LinkedIn-PR-Cover-11</image:caption><image:title>LinkedIn-PR-Cover-11</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><lastmod>2025-11-21</lastmod></url><url><loc>https://mintago.com/library</loc><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/(Updated)%20founders%20trailer%20(1).mp4/medium.jpg</video:thumbnail_loc><video:title>(Updated) founders trailer (1)</video:title><video:description>(Updated) founders trailer (1)</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/(Updated)%20founders%20trailer%20(1).mp4</video:content_loc><video:duration>152</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/%2BMKT%2B%20Webinar%20%E2%80%93%20The%20H2%20Employer%20Action%20Plan%20%E2%80%93%20Video%20Clips/Anna%20%E2%80%93%20Flywheel%20Explainer.mp4/medium.jpg</video:thumbnail_loc><video:title>Why a pay rise isn't enough – and how salary sacrifice fixes it</video:title><video:description>A 3% pay rise sounds generous – until it's swallowed up by inflation, Tax, and National Insurance. 

This short explainer follows Sarah, a 34-year-old operations manager on £35,000, to show exactly where her pay rise goes: £1,050 gross becomes just £756 in her pocket, and rising prices mean she doesn't even see that. On paper she got a raise; in reality she's going backwards

But the fix is easier than you think. By implementing salary sacrifice, employers can cut their National Insurance bill and unlock real budget – money that can be reinvested into benefits Sarah actually uses, from childcare and EV, to retail discounts and financial advice. The result is take-home value worth thousands more a year, so employees get ahead instead of falling behind, without adding to your wage bill.

The video closes with the Mintago flywheel: how salary sacrifice, benefits for every life stage, easy setup and built-in engagement compound to save employers money, time and talent.

This is essential viewing for HR, People and Finance leaders who want to stretch a limited reward budget and improve employee financial wellbeing.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/%2BMKT%2B%20Webinar%20%E2%80%93%20The%20H2%20Employer%20Action%20Plan%20%E2%80%93%20Video%20Clips/Anna%20%E2%80%93%20Flywheel%20Explainer.mp4</video:content_loc><video:duration>153</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>payrises</video:tag><video:tag>salarysacrifice</video:tag><video:tag>SMEemployeebenefits</video:tag><video:tag>rewardbudget</video:tag><video:tag>financialwellbeing</video:tag><video:tag>takehomepay</video:tag><video:tag>employeebenefits</video:tag><video:tag>costofliving</video:tag><video:tag>HRstrategy</video:tag><video:tag>nationalinsurancesavings</video:tag></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20Salary%20Sacrifice%20Employee%20Explainer%202025.mp4/medium.jpg</video:thumbnail_loc><video:title>Mintago Salary Sacrifice Employee Explainer 2025</video:title><video:description>Mintago Salary Sacrifice Employee Explainer 2025</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20Salary%20Sacrifice%20Employee%20Explainer%202025.mp4</video:content_loc><video:duration>123</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Tools/You%20got%20this%20sticker.png</image:loc><image:caption>You got this sticker</image:caption><image:title>You got this sticker</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Content%20Images%20HubDB/Content%20Image__Platform%20Guide.png</image:loc><image:caption>Content Image__Platform Guide</image:caption><image:title>Content Image__Platform 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wellbeing-1</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Content%20Images%20HubDB/ContentImage_Learning.png</image:loc><image:caption>ContentImage_Learning</image:caption><image:title>ContentImage_Learning</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Content%20Images%20HubDB/ContentImage__Wellbeing.png</image:loc><image:caption>ContentImage__Wellbeing</image:caption><image:title>ContentImage__Wellbeing</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Home%20and%20Garden.jpg</image:loc><image:caption>Home and Garden</image:caption><image:title>Home and Garden</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Content%20Images%20HubDB/SalSac_Claculator_Wide%20(1)-1.png</image:loc><image:caption>SalSac_Claculator_Wide (1)-1</image:caption><image:title>SalSac_Claculator_Wide (1)-1</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Sandwich-Generation.jpg</image:loc><image:caption>Sandwich-Generation</image:caption><image:title>Sandwich-Generation</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Content%20Images%20HubDB/ContentImage_Pension2.png</image:loc><image:caption>ContentImage_Pension2</image:caption><image:title>ContentImage_Pension2</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Minimum%20wage.jpg</image:loc><image:caption>Minimum wage</image:caption><image:title>Minimum wage</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Content%20Images%20HubDB/ContentImage__SalSac101_v2.png</image:loc><image:caption>ContentImage__SalSac101_v2</image:caption><image:title>ContentImage__SalSac101_v2</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/minimum%20wage%20V2.jpg</image:loc><image:caption>minimum wage V2</image:caption><image:title>minimum wage V2</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Content%20Images%20HubDB/ContentImage_Payslip.png</image:loc><image:caption>ContentImage_Payslip</image:caption><image:title>ContentImage_Payslip</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Content%20Images%20HubDB/ContentImage__Eldercare_wide.png</image:loc><image:caption>ContentImage__Eldercare_wide</image:caption><image:title>ContentImage__Eldercare_wide</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/ContentImage__H2ActionPlan_Wide.png</image:loc><image:caption>ContentImage__H2ActionPlan_Wide</image:caption><image:title>ContentImage__H2ActionPlan_Wide</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/IFS%20Gamble%20Blog%202.jpg</image:loc><image:caption>IFS Gamble Blog 2</image:caption><image:title>IFS Gamble Blog 2</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Content%20Images%20HubDB/ContentImage_CheckIn.png</image:loc><image:caption>ContentImage_CheckIn</image:caption><image:title>ContentImage_CheckIn</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Content%20Images%20HubDB/ContentImage__Elderly%20Crisis-1.png</image:loc><image:caption>ContentImage__Elderly Crisis-1</image:caption><image:title>ContentImage__Elderly Crisis-1</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Orange%20texture3.jpg</image:loc><image:caption>Orange texture3</image:caption><image:title>Orange texture3</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Woman%20Data%20Blog.jpg</image:loc><image:caption>Woman Data Blog</image:caption><image:title>Woman Data Blog</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Content%20Images%20HubDB/ContentImage_Compliance-1.png</image:loc><image:caption>ContentImage_Compliance-1</image:caption><image:title>ContentImage_Compliance-1</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Content%20Images%20HubDB/ContentImage_HRPlanner-1.png</image:loc><image:caption>ContentImage_HRPlanner-1</image:caption><image:title>ContentImage_HRPlanner-1</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Content%20Images%20HubDB/ContentImage__WomanReport2.png</image:loc><image:caption>ContentImage__WomanReport2</image:caption><image:title>ContentImage__WomanReport2</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Content%20Images%20HubDB/ContentImage_Debt.png</image:loc><image:caption>ContentImage_Debt</image:caption><image:title>ContentImage_Debt</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Content%20Images%20HubDB/SalSac_Claculator_Wide2-1.png</image:loc><image:caption>SalSac_Claculator_Wide2-1</image:caption><image:title>SalSac_Claculator_Wide2-1</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Case%20Studys/Ride%20Tandem%201.png</image:loc><image:caption>Ride Tandem 1</image:caption><image:title>Ride Tandem 1</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Woman-Finances.jpg</image:loc><image:caption>Woman-Finances</image:caption><image:title>Woman-Finances</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Case%20Studys/download.jpg</image:loc><image:caption>download</image:caption><image:title>download</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Content%20Images%20HubDB/ContentImage__Pension.png</image:loc><image:caption>ContentImage__Pension</image:caption><image:title>ContentImage__Pension</image:title></image:image><lastmod>2026-07-27</lastmod></url><url><loc>https://mintago.com/blog/cost-of-living-financial-challenges/strategies-address-gender-pay-gap</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/equailty.jpg</image:loc><image:caption>equailty</image:caption><image:title>equailty</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/health-and-wellbeing-benefits</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Health/health%20marketplace%20V2.png</image:loc><image:caption>health marketplace V2</image:caption><image:title>health marketplace V2</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Health/Virtual%20GP@0.5x.png</image:loc><image:caption>Virtual GP@0.5x</image:caption><image:title>Virtual GP@0.5x</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imagine%20Cruising.png</image:loc><image:caption>Imagine Cruising</image:caption><image:title>Imagine Cruising</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Logos-Update-WhiteToniandGuy.png.png</image:loc><image:caption>Logos-Update-WhiteToniandGuy.png</image:caption><image:title>Logos-Update-WhiteToniandGuy.png</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Health/case%20Study%206%20Aisha.png</image:loc><image:caption>case Study 6 Aisha</image:caption><image:title>case Study 6 Aisha</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Benefit%20Icons%20On%20White/Elderlycare.png</image:loc><image:caption>Elderlycare</image:caption><image:title>Elderlycare</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Health/case%20Study%202%20Graham.png</image:loc><image:caption>case Study 2 Graham</image:caption><image:title>case Study 2 Graham</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Health/case%20Study%204%20Pete.png</image:loc><image:caption>case Study 4 Pete</image:caption><image:title>case Study 4 Pete</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Health/case%20Study%201%20Sophie_v2.png</image:loc><image:caption>case Study 1 Sophie_v2</image:caption><image:title>case Study 1 Sophie_v2</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Health/reporting2.png</image:loc><image:caption>reporting2</image:caption><image:title>reporting2</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Health/WALLET%20V2.png</image:loc><image:caption>WALLET V2</image:caption><image:title>WALLET V2</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Logos-Update-WhiteChillies.png-.png</image:loc><image:caption>Logos-Update-WhiteChillies.png-</image:caption><image:title>Logos-Update-WhiteChillies.png-</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Layer_1%20(1).png</image:loc><image:caption>Layer_1 (1)</image:caption><image:title>Layer_1 (1)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Health/Key%20Art%202.png</image:loc><image:caption>Key Art 2</image:caption><image:title>Key Art 2</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Health/EAP.png</image:loc><image:caption>EAP</image:caption><image:title>EAP</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Health/Virtual%20GP%20V3.png</image:loc><image:caption>Virtual GP V3</image:caption><image:title>Virtual GP V3</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Health/Health%20Marketpalce@0.5x.png</image:loc><image:caption>Health Marketpalce@0.5x</image:caption><image:title>Health Marketpalce@0.5x</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/madatate.png</image:loc><image:caption>madatate</image:caption><image:title>madatate</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Health/Rewards@0.5x.png</image:loc><image:caption>Rewards@0.5x</image:caption><image:title>Rewards@0.5x</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Logos-Update-WhiteNHS.png.png</image:loc><image:caption>Logos-Update-WhiteNHS.png</image:caption><image:title>Logos-Update-WhiteNHS.png</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Logos-Update-WhitePho.png</image:loc><image:caption>Logos-Update-WhitePho</image:caption><image:title>Logos-Update-WhitePho</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Northumbria%20Police%20Force.png</image:loc><image:caption>Northumbria Police Force</image:caption><image:title>Northumbria Police Force</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Logos-Update-WhiteMental-health-UK.png.png</image:loc><image:caption>Logos-Update-WhiteMental-health-UK.png</image:caption><image:title>Logos-Update-WhiteMental-health-UK.png</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Health/case%20Study%203%20Liz.png</image:loc><image:caption>case Study 3 Liz</image:caption><image:title>case Study 3 Liz</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Logos-Update-WhiteAvis.png.png</image:loc><image:caption>Logos-Update-WhiteAvis.png</image:caption><image:title>Logos-Update-WhiteAvis.png</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Logos-Update-WhiteOlio.png-1.png</image:loc><image:caption>Logos-Update-WhiteOlio.png-1</image:caption><image:title>Logos-Update-WhiteOlio.png-1</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Tendr-Icons-%2B-Extras-White-Solid_Gym.png</image:loc><image:caption>Tendr-Icons-+-Extras-White-Solid_Gym</image:caption><image:title>Tendr-Icons-+-Extras-White-Solid_Gym</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Armani.png</image:loc><image:caption>Armani</image:caption><image:title>Armani</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Health/case%20Study%205%20Joe.png</image:loc><image:caption>case Study 5 Joe</image:caption><image:title>case Study 5 Joe</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><lastmod>2026-07-13</lastmod></url><url><loc>https://mintago.com/salary-sacrifice-compliance-guide</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Kinsail-1.png</image:loc><image:caption>Kinsail-1</image:caption><image:title>Kinsail-1</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/rs=w_1200%2ch_600%2ccg_true-1-1.webp</image:loc><image:caption>rs=w_1200,h_600,cg_true-1-1</image:caption><image:title>rs=w_1200,h_600,cg_true-1-1</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Layer_1%20(1).png</image:loc><image:caption>Layer_1 (1)</image:caption><image:title>Layer_1 (1)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Tendr%20Icons%20%2B%20Extras%20White_Tech%20copy%202.png</image:loc><image:caption>Tendr Icons + Extras White_Tech copy 2</image:caption><image:title>Tendr Icons + Extras White_Tech copy 2</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/BHNLogo.png</image:loc><image:caption>BHNLogo</image:caption><image:title>BHNLogo</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Home%20and%20Garden.jpg</image:loc><image:caption>Home and Garden</image:caption><image:title>Home and Garden</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mobile%20Advantage2.png</image:loc><image:caption>Mobile Advantage2</image:caption><image:title>Mobile Advantage2</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/inspire.png</image:loc><image:caption>inspire</image:caption><image:title>inspire</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/laptop-wide-Tiny.png</image:loc><image:caption>laptop-wide-Tiny</image:caption><image:title>laptop-wide-Tiny</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Tendr%20Icons%20%2B%20Extras%20White_Childcare%20copy.png</image:loc><image:caption>Tendr Icons + Extras White_Childcare copy</image:caption><image:title>Tendr Icons + Extras White_Childcare copy</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Partner/quote%20blue.png</image:loc><image:caption>quote blue</image:caption><image:title>quote blue</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/mintago.png</image:loc><image:caption>mintago</image:caption><image:title>mintago</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Love%20Electrice.png</image:loc><image:caption>Love Electrice</image:caption><image:title>Love Electrice</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Benefit%20Icons%20On%20Alpha/Home%20and%20Garden%200.5x%20(1).png</image:loc><image:caption>Home and Garden 0.5x (1)</image:caption><image:title>Home and Garden 0.5x (1)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Stars.png</image:loc><image:caption>Stars</image:caption><image:title>Stars</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Tusker.png</image:loc><image:caption>Tusker</image:caption><image:title>Tusker</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMTK%2B%20Email%20Assets/Icon__Annual%20leave.png</image:loc><image:caption>Icon__Annual leave</image:caption><image:title>Icon__Annual 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Hunter</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/RideTandem_coach.png</image:loc><image:caption>RideTandem_coach</image:caption><image:title>RideTandem_coach</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Client%20Logos/InfoSum_logo.svg</image:loc><image:caption>InfoSum_logo</image:caption><image:title>InfoSum_logo</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Benefit%20Icons%20On%20Alpha/Childcare@0.5x.png</image:loc><image:caption>Childcare@0.5x</image:caption><image:title>Childcare@0.5x</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Client%20Logos/Graitec_logo.svg</image:loc><image:caption>Graitec_logo</image:caption><image:title>Graitec_logo</image:title></image:image><lastmod>2026-07-07</lastmod></url><url><loc>https://mintago.com/terms-conditions</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/27001-RGB-White.jpg</image:loc><image:caption>27001-RGB-White</image:caption><image:title>27001-RGB-White</image:title></image:image><lastmod>2025-03-11</lastmod></url><url><loc>https://mintago.com/h2-action-plan</loc><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/%2BMKT%2B%20Webinar%20%E2%80%93%20The%20H2%20Employer%20Action%20Plan%20%E2%80%93%20Video%20Clips/Chieu%20%E2%80%93%20Perks%20vs%20impact%20(Square).mp4/medium.jpg</video:thumbnail_loc><video:title>Perks vs financial wellbeing: where your reward budget should go</video:title><video:description>Ask employees what they want from work and the answer is usually instant: free stuff, discounts, a pay rise. We're wired for instant gratification – delayed rewards are hard for anyone to value. So how should employers respond? Chieu Cao argues you don't have to choose. You can give people the perks and savings that make them happy now and invest in the benefits that have profound, lasting impact – and doing both needn't cost the earth. For Chieu, the lasting piece is financial wellbeing. When employees are financially healthier, it shows up in happier households, stronger relationships and a more engaged, productive workforce – the kind of change no one-off perk or pay rise can buy. A smarter reward and employee benefits strategy balances the quick wins with the things that actually stick, without blowing the budget.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/%2BMKT%2B%20Webinar%20%E2%80%93%20The%20H2%20Employer%20Action%20Plan%20%E2%80%93%20Video%20Clips/Chieu%20%E2%80%93%20Perks%20vs%20impact%20(Square).mp4</video:content_loc><video:duration>48</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>EmployeeBenefits</video:tag><video:tag>EmployeeRetention</video:tag><video:tag>EmployeeEngagement</video:tag><video:tag>RewardStrategy</video:tag><video:tag>WorkplaceWellbeing</video:tag><video:tag>FinancialHealth</video:tag><video:tag>EmployeePerks</video:tag><video:tag>FinancialWellbeing</video:tag><video:tag>HR</video:tag><video:tag>RewardAndRecognition</video:tag></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/%2BMKT%2B%20Webinar%20%E2%80%93%20The%20H2%20Employer%20Action%20Plan%20%E2%80%93%20Video%20Clips/Kate%20%E2%80%93%20Intro%20(Square).mp4/medium.jpg</video:thumbnail_loc><video:title>The wage-bill fear keeping business owners awake</video:title><video:description>It's the conversation happening at 10:30 on a Sunday night that almost no one says out loud in the daytime. Kate Underwood, award-winning HR consultant, lays bare what's really keeping small business owners awake: sitting with the wage bill, working out who they can afford to keep, while terrified of losing the very people they can't afford to replace. They know their team deserves a pay rise, they know the cost of living is biting – and they know the money simply isn't there. And the quiet killer behind so much of it? Cashflow. Even profitable firms, Kate says, can't always get the money in on time, and you can't ask your team to wait until next week for their wages. A candid look at the financial pressure facing SMEs, and why it shapes every people decision they make.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/%2BMKT%2B%20Webinar%20%E2%80%93%20The%20H2%20Employer%20Action%20Plan%20%E2%80%93%20Video%20Clips/Kate%20%E2%80%93%20Intro%20(Square).mp4</video:content_loc><video:duration>45</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/%2BMKT%2B%20Webinar%20%E2%80%93%20The%20H2%20Employer%20Action%20Plan%20%E2%80%93%20Video%20Clips/Kat%20%E2%80%93%20The%20power%20of%20education%20(Square).mp4/medium.jpg</video:thumbnail_loc><video:title>Why financial education is your most underrated benefit</video:title><video:description>Don't underestimate the power of financial education – that's the message from Katrina Murray, Senior People Operations Manager at Zircom, and she speaks from experience. Like most of us, she never grew up learning how to budget, manage tax or save; unless you're very lucky, no one teaches you. That's the opportunity for employers: to create genuine psychological safety around money, and a workforce that feels able to speak up and ask the basics – do people understand their payslips? Their tax codes? For Katrina, it starts simple and grows from there: give people the education and the options, then help them use those options effectively, from reading a payslip to salary sacrifice and season ticket loans. Financial wellbeing, she argues, begins with education and choice.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/%2BMKT%2B%20Webinar%20%E2%80%93%20The%20H2%20Employer%20Action%20Plan%20%E2%80%93%20Video%20Clips/Kat%20%E2%80%93%20The%20power%20of%20education%20(Square).mp4</video:content_loc><video:duration>72</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>EmployeeBenefits</video:tag><video:tag>EmployeeEngagement</video:tag><video:tag>WorkplaceWellbeing</video:tag><video:tag>FinancialEducation</video:tag><video:tag>FinancialLiteracy</video:tag><video:tag>FinancialWellbeing</video:tag><video:tag>HR</video:tag><video:tag>MoneyManagement</video:tag><video:tag>PeopleOps</video:tag></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/%2BMKT%2B%20Webinar%20%E2%80%93%20The%20H2%20Employer%20Action%20Plan%20%E2%80%93%20Video%20Clips/Kate%20%E2%80%93%20Cutting%20support%20(Square).mp4/medium.jpg</video:thumbnail_loc><video:title>The benefit cuts that backfires every time</video:title><video:description>Cutting employee support to save money? Kate Underwood understands the temptation – but she's clear it's a massive trap. The award-winning HR consultant explains what usually happens: the support people genuinely rely on gets swapped for things that just look generous. A ping pong table, she says, really isn't going to help anyone – and people always notice when something meaningful disappears. The real risk? The first people to walk away are your best ones, because they're the ones with options elsewhere. A sharp reminder for employers that perks are not the same as support, and that cutting the wrong things can cost you your strongest performers.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/%2BMKT%2B%20Webinar%20%E2%80%93%20The%20H2%20Employer%20Action%20Plan%20%E2%80%93%20Video%20Clips/Kate%20%E2%80%93%20Cutting%20support%20(Square).mp4</video:content_loc><video:duration>26</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>EmployeeExperience</video:tag><video:tag>EmployeeBenefits</video:tag><video:tag>EmployeeRetention</video:tag><video:tag>Leadership</video:tag><video:tag>EmployeeEngagement</video:tag><video:tag>Perks</video:tag><video:tag>TalentRetention</video:tag><video:tag>SmallBusiness</video:tag><video:tag>HR</video:tag><video:tag>PeopleManagement</video:tag></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/%2BMKT%2B%20Webinar%20%E2%80%93%20The%20H2%20Employer%20Action%20Plan%20%E2%80%93%20Video%20Clips/Jade%20%E2%80%93%20People%20are%20exhausted%20(Square).mp4/medium.jpg</video:thumbnail_loc><video:title>Why your workforce has gone numb</video:title><video:description>Pension or a house? Pension or start a family? Jade Berry says these are the impossible trade-offs employees are making every day – choices people simply didn't face 20 years ago. The People Director at Pho is honest about the toll: people are overwhelmed, exhausted, and increasingly numb to it all because there's just too much coming at them. So how do employers break through? For Jade, it's about giving people back a sense of control – through financial education, ease of use, and easy access to the things that make a real difference further down the line. A candid take on financial wellbeing and employee engagement in the middle of a cost-of-living crisis.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/%2BMKT%2B%20Webinar%20%E2%80%93%20The%20H2%20Employer%20Action%20Plan%20%E2%80%93%20Video%20Clips/Jade%20%E2%80%93%20People%20are%20exhausted%20(Square).mp4</video:content_loc><video:duration>58</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>Hospitality</video:tag><video:tag>CostOfLiving</video:tag><video:tag>EmployeeEngagement</video:tag><video:tag>PeopleAndCulture</video:tag><video:tag>FinancialEducation</video:tag><video:tag>FinancialWellbeing</video:tag><video:tag>HR</video:tag><video:tag>EmployeeWellbeing</video:tag><video:tag>Pensions</video:tag></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/%2BMKT%2B%20Webinar%20%E2%80%93%20The%20H2%20Employer%20Action%20Plan%20%E2%80%93%20Video%20Clips/Kat%20%E2%80%93%20Intro%20(Square).mp4/medium.jpg</video:thumbnail_loc><video:title>You can't out-pay the cost of living – so what works?</video:title><video:description>Here's the trap many employers are stuck in: you can keep making your salaries more competitive, but with the cost of living rising just as consistently, it can feel like you're forever chasing your tail. Katrina Murray, Senior People Operations Manager at Zircom, argues the answer isn't only about the number on the payslip. It's about creating enough options for people to make smart, sensible choices with their money – whether that's thinking ahead to their pension, their future career and the lifestyle they want in retirement, or simply managing month to month so they're not anxiously waiting for the next paycheque to arrive. A smart take on why financial wellbeing and real choice matter as much as pay itself.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/%2BMKT%2B%20Webinar%20%E2%80%93%20The%20H2%20Employer%20Action%20Plan%20%E2%80%93%20Video%20Clips/Kat%20%E2%80%93%20Intro%20(Square).mp4</video:content_loc><video:duration>39</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>EmployeeBenefits</video:tag><video:tag>EmployeeRetention</video:tag><video:tag>CostOfLiving</video:tag><video:tag>RewardStrategy</video:tag><video:tag>WorkplaceWellbeing</video:tag><video:tag>Pay</video:tag><video:tag>FinancialWellbeing</video:tag><video:tag>HR</video:tag><video:tag>Pensions</video:tag><video:tag>PeopleOps</video:tag></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/%2BMKT%2B%20Webinar%20%E2%80%93%20The%20H2%20Employer%20Action%20Plan%20%E2%80%93%20Video%20Clips/Jade%20%E2%80%93%20Stream%20savings%20(Square).mp4/medium.jpg</video:thumbnail_loc><video:title>The benefit that turns spare change into real savings</video:title><video:description>With a workforce as diverse as Pho's – spanning ages, locations, wants and needs – Jade Berry's team has learned to test lots of benefits and keep only what sticks. One consistent winner? Stream (formerly WageStream), which lets employees access their pay as they earn it and, crucially, rounds up everyday spending into a high-interest savings account. Spend 90p in a shop and the extra 10p is automatically saved – until months later people find a few hundred pounds they never even missed. Jade's insight for employers: when saving is automated and effortless, it helps people build healthier money habits and sidestep the more negative relationship many of us have with money.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/%2BMKT%2B%20Webinar%20%E2%80%93%20The%20H2%20Employer%20Action%20Plan%20%E2%80%93%20Video%20Clips/Jade%20%E2%80%93%20Stream%20savings%20(Square).mp4</video:content_loc><video:duration>64</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>EmployeeExperience</video:tag><video:tag>EmployeeBenefits</video:tag><video:tag>Hospitality</video:tag><video:tag>Savings</video:tag><video:tag>PeopleAndCulture</video:tag><video:tag>FinancialHealth</video:tag><video:tag>FinancialWellbeing</video:tag><video:tag>HR</video:tag><video:tag>MoneyHabits</video:tag><video:tag>EarnedWageAccess</video:tag></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/%2BMKT%2B%20Webinar%20%E2%80%93%20The%20H2%20Employer%20Action%20Plan%20%E2%80%93%20Video%20Clips/Jade%20%E2%80%93%20Challenges%20of%20a%20diverse%20workforce%20(Square).mp4/medium.jpg</video:thumbnail_loc><video:title>Why the same pay doesn't stretch the same everywhere</video:title><video:description>How do you reward a workforce spread right across the country, when the cost of living looks completely different depending on where people live? Jade Berry, People Director at Pho, unpacks a challenge many multi-site employers face. Across her teams, she says only around 20% of southern staff own property versus closer to 60% in the north – and with London and the southeast so much more expensive, recruiting there is far harder than in the north. Add in younger employees living at home while they study, alongside colleagues juggling mortgages and families, and it's clear one-size-fits-all reward simply doesn't work. Jade's approach: reviewing wage increases and salary bandings to level things out, plus a range of flexible employee benefits people can tailor to their own situation.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/%2BMKT%2B%20Webinar%20%E2%80%93%20The%20H2%20Employer%20Action%20Plan%20%E2%80%93%20Video%20Clips/Jade%20%E2%80%93%20Challenges%20of%20a%20diverse%20workforce%20(Square).mp4</video:content_loc><video:duration>66</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>EmployeeExperience</video:tag><video:tag>EmployeeBenefits</video:tag><video:tag>Hospitality</video:tag><video:tag>CostOfLiving</video:tag><video:tag>RewardStrategy</video:tag><video:tag>PayStrategy</video:tag><video:tag>PeopleAndCulture</video:tag><video:tag>WorkforcePlanning</video:tag><video:tag>HR</video:tag></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/%2BMKT%2B%20Webinar%20%E2%80%93%20The%20H2%20Employer%20Action%20Plan%20%E2%80%93%20Video%20Clips/Chieu%20%E2%80%93%20Salary%20sacrifice%20perception%20(Square).mp4/medium.jpg</video:thumbnail_loc><video:title>The salary sacrifice myth costing smaller employers</video:title><video:description>There's a common perception that salary sacrifice is built for big corporates – large teams, complex admin, not something smaller employers can take on. Chieu Cao pushes back: the reality is that it's far easier than it looks, especially when everything sits under one roof. He makes the case that pension salary sacrifice is one of the best schemes the government has ever offered – yet too many employers take it for granted. The lesson? Simply having a workplace pension isn't enough. The real value comes when you actively encourage employees to contribute enough, and relaunch the scheme so people understand what it is and how to use it. For any HR or finance team, it's a reminder that employee benefits only pay off when people actually engage with them.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/%2BMKT%2B%20Webinar%20%E2%80%93%20The%20H2%20Employer%20Action%20Plan%20%E2%80%93%20Video%20Clips/Chieu%20%E2%80%93%20Salary%20sacrifice%20perception%20(Square).mp4</video:content_loc><video:duration>48</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>EmployeeBenefits</video:tag><video:tag>EmployeeEngagement</video:tag><video:tag>RewardStrategy</video:tag><video:tag>PensionSalarySacrifice</video:tag><video:tag>WorkplacePensions</video:tag><video:tag>FinancialWellbeing</video:tag><video:tag>HR</video:tag><video:tag>Pensions</video:tag><video:tag>SalarySacrifice</video:tag><video:tag>SMEs</video:tag></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/%2BMKT%2B%20Webinar%20%E2%80%93%20The%20H2%20Employer%20Action%20Plan%20%E2%80%93%20Video%20Clips/Jade%20%E2%80%93%20Look%20into%20pension%20salary%20sacrifice%20(Square).mp4/medium.jpg</video:thumbnail_loc><video:title>The one benefit that Pho's using to fund other perks</video:title><video:description>If you haven't looked into pension salary sacrifice yet, Jade Berry has a clear message: do it. The People Director at Pho explains how making the switch last year has already made a big difference – and not only for the people directly using salary sacrifice. The savings it unlocked have let her team fund benefits the entire workforce can use, not just those on the scheme. It's a smart, low-cost way to stretch a benefits budget further and reach everyone. Her verdict for any employer still weighing it up? A 100% recommendation.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/%2BMKT%2B%20Webinar%20%E2%80%93%20The%20H2%20Employer%20Action%20Plan%20%E2%80%93%20Video%20Clips/Jade%20%E2%80%93%20Look%20into%20pension%20salary%20sacrifice%20(Square).mp4</video:content_loc><video:duration>21</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>EmployeeBenefits</video:tag><video:tag>Hospitality</video:tag><video:tag>RewardStrategy</video:tag><video:tag>PensionSalarySacrifice</video:tag><video:tag>PeopleAndCulture</video:tag><video:tag>WorkplacePensions</video:tag><video:tag>FinancialWellbeing</video:tag><video:tag>HR</video:tag><video:tag>Pensions</video:tag><video:tag>SalarySacrifice</video:tag></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/%2BMKT%2B%20Webinar%20%E2%80%93%20The%20H2%20Employer%20Action%20Plan%20%E2%80%93%20Video%20Clips/Anna%20%E2%80%93%20Flywheel%20Explainer.mp4/medium.jpg</video:thumbnail_loc><video:title>Why a pay rise isn't enough – and how salary sacrifice fixes it</video:title><video:description>A 3% pay rise sounds generous – until it's swallowed up by inflation, Tax, and National Insurance. 

This short explainer follows Sarah, a 34-year-old operations manager on £35,000, to show exactly where her pay rise goes: £1,050 gross becomes just £756 in her pocket, and rising prices mean she doesn't even see that. On paper she got a raise; in reality she's going backwards

But the fix is easier than you think. By implementing salary sacrifice, employers can cut their National Insurance bill and unlock real budget – money that can be reinvested into benefits Sarah actually uses, from childcare and EV, to retail discounts and financial advice. The result is take-home value worth thousands more a year, so employees get ahead instead of falling behind, without adding to your wage bill.

The video closes with the Mintago flywheel: how salary sacrifice, benefits for every life stage, easy setup and built-in engagement compound to save employers money, time and talent.

This is essential viewing for HR, People and Finance leaders who want to stretch a limited reward budget and improve employee financial wellbeing.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/%2BMKT%2B%20Webinar%20%E2%80%93%20The%20H2%20Employer%20Action%20Plan%20%E2%80%93%20Video%20Clips/Anna%20%E2%80%93%20Flywheel%20Explainer.mp4</video:content_loc><video:duration>153</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>payrises</video:tag><video:tag>salarysacrifice</video:tag><video:tag>SMEemployeebenefits</video:tag><video:tag>rewardbudget</video:tag><video:tag>financialwellbeing</video:tag><video:tag>takehomepay</video:tag><video:tag>employeebenefits</video:tag><video:tag>costofliving</video:tag><video:tag>HRstrategy</video:tag><video:tag>nationalinsurancesavings</video:tag></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/%2BMKT%2B%20Webinar%20%E2%80%93%20The%20H2%20Employer%20Action%20Plan%20%E2%80%93%20Video%20Clips/Kate%20%E2%80%93%20Cost%20of%20replacing%20talent%20(Square).mp4/medium.jpg</video:thumbnail_loc><video:title>Why replacing your best person costs more than you think</video:title><video:description>The cost of replacing someone right now is, in Kate Underwood's words, absolutely brutal – more expensive and more risky than it's ever been. The award-winning HR consultant breaks down the true price: recruitment fees, months of lost productivity while someone finds their feet, and the knowledge that walks straight out of the door – a particular danger for small businesses, where roles are often unique and can't be learned in a day. Her message for any employer eyeing cutbacks: replacing one really good person can cost more than a whole year of benefits for the team you already have. The businesses winning right now, Kate argues, are the ones doing the maths before they make the cuts.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/%2BMKT%2B%20Webinar%20%E2%80%93%20The%20H2%20Employer%20Action%20Plan%20%E2%80%93%20Video%20Clips/Kate%20%E2%80%93%20Cost%20of%20replacing%20talent%20(Square).mp4</video:content_loc><video:duration>30</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>EmployeeBenefits</video:tag><video:tag>EmployeeRetention</video:tag><video:tag>Leadership</video:tag><video:tag>TalentRetention</video:tag><video:tag>SmallBusiness</video:tag><video:tag>HR</video:tag><video:tag>PeopleManagement</video:tag><video:tag>SME</video:tag><video:tag>CostOfHiring</video:tag><video:tag>Recruitment</video:tag></video:video><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Case%20Studys/LogosSessions.png</image:loc><image:caption>LogosSessions</image:caption><image:title>LogosSessions</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/Kate%20(1).png</image:loc><image:caption>Kate 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(30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Client%20Logos/Pho_logo.svg</image:loc><image:caption>Pho_logo</image:caption><image:title>Pho_logo</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 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Pic</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Client%20Logos/Kroo_logo.svg</image:loc><image:caption>Kroo_logo</image:caption><image:title>Kroo_logo</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Client%20Logos/Chilly_s_logo.svg</image:loc><image:caption>Chilly_s_logo</image:caption><image:title>Chilly_s_logo</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Client%20Logos/Bulgari_logo.svg</image:loc><image:caption>Bulgari_logo</image:caption><image:title>Bulgari_logo</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Client%20Logos/MentalHealthUK_logo.svg</image:loc><image:caption>MentalHealthUK_logo</image:caption><image:title>MentalHealthUK_logo</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Client%20Logos/Armani_logo.svg</image:loc><image:caption>Armani_logo</image:caption><image:title>Armani_logo</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/Jade%20(1).png</image:loc><image:caption>Jade (1)</image:caption><image:title>Jade (1)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/Texture%20Tall%20Left%20Only.jpg</image:loc><image:caption>Texture Tall Left Only</image:caption><image:title>Texture Tall Left Only</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/threshhold%20down.png</image:loc><image:caption>threshhold down</image:caption><image:title>threshhold down</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/Gas.png</image:loc><image:caption>Gas</image:caption><image:title>Gas</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/Calc%20Laptop%20Dot%20and%20Dart.png</image:loc><image:caption>Calc Laptop Dot and Dart</image:caption><image:title>Calc Laptop Dot and Dart</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/Elec.png</image:loc><image:caption>Elec</image:caption><image:title>Elec</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Case%20Studys/Ride%20Tandem%201.png</image:loc><image:caption>Ride Tandem 1</image:caption><image:title>Ride Tandem 1</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/Avatar.png</image:loc><image:caption>Avatar</image:caption><image:title>Avatar</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Case%20Studys/Logosthe-Biltmore.png</image:loc><image:caption>Logosthe-Biltmore</image:caption><image:title>Logosthe-Biltmore</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Client%20Logos/Avis_logo.svg</image:loc><image:caption>Avis_logo</image:caption><image:title>Avis_logo</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Sessions%20Market%202.jpg</image:loc><image:caption>Sessions Market 2</image:caption><image:title>Sessions Market 2</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Screenshot%202026-07-01%20at%2023.35.07.png</image:loc><image:caption>Mintago top financial wellbeing benefits in 2026</image:caption><image:title>Screenshot 2026-07-01 at 23.35.07</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Client%20Logos/Olio_logo.svg</image:loc><image:caption>Olio_logo</image:caption><image:title>Olio_logo</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Webinars/Chieu%20(1).png</image:loc><image:caption>Chieu (1)</image:caption><image:title>Chieu (1)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Budget%20Webinar%2025/mintago.png</image:loc><image:caption>mintago</image:caption><image:title>mintago</image:title></image:image><lastmod>2026-07-08</lastmod></url><url><loc>https://mintago.com/blog/salary-sacrifice/ecotech-salary-sacrifice</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/EchoTech-BlogPost-2.png</image:loc><image:caption>EchoTech-BlogPost-2</image:caption><image:title>EchoTech-BlogPost-2</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/press/mintago-fintech-awards-london-2022-shortlist</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/1652358253267.jpg</image:loc><image:caption>1652358253267</image:caption><image:title>1652358253267</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/salary-sacrifice/salary-sacrifice-workplace-pensions-employers-employees</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/SS-FOR-Employers.jpg</image:loc><image:caption>SS-FOR-Employers</image:caption><image:title>SS-FOR-Employers</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/customer-stories/olio-unlocking-budget-with-smart-salary-sacrifice-benefits</loc><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Case%20Studys/customer-story--how-diverse-employee-benefits-saved-olio-135k.mp4/medium.jpg</video:thumbnail_loc><video:title>Customer Story – How diverse employee benefits saved Olio £135k</video:title><video:description>In today's dynamic workplace, understanding and supporting the diverse needs of your team is essential. This customer story looks into the diverse workforce at Olio, highlighting how the team prioritises inclusivity, care, and resourcefulness.

Key topics covered in this video include:

- **Team Diversity**: Explore how Olio's workforce includes individuals at various life stages, from early-career employees, to those navigating family responsibilities and homeownership.
  
- **Meaningful Benefits**: Learn about Olio's approach to employee benefits and how they focus on providing options that truly matter to their staff, enhancing financial wellbeing and job satisfaction.

- **The Role of Mintago**: Discover how tools like Mintago empower employees with choice and access to independent financial advice, helping them navigate significant life decisions, such as purchasing a home or managing finances for aging parents.

- **Real-World Impact**: Hear a compelling success story of an employee who used Mintago's free financial advice to secure financial guidance and ultimately achieved their goal of homeownership.

Key takeaways from this video include insights into fostering a supportive workplace culture, the importance of personalised benefits in retaining talent, and how to enhance employee financial wellness through innovative solutions. 

See how Olio not only supports its employees, but also builds loyalty and trust within their team. By prioritising meaningful benefits and open communication, they're building a workplace where everyone can thrive.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Case%20Studys/customer-story--how-diverse-employee-benefits-saved-olio-135k.mp4</video:content_loc><video:duration>162</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Case%20Studys/customer-story-how-diverse-employee-benefits-saved-olio-135k.mp4/medium.jpg</video:thumbnail_loc><video:title>Customer story: How diverse employee benefits saved Olio £135k</video:title><video:description>In today's dynamic workplace, understanding and supporting the diverse needs of your team is essential. This customer story looks into the diverse workforce at Olio, highlighting how the team prioritises inclusivity, care, and resourcefulness.

Key topics covered in this video include:

- **Team Diversity**: Explore how Olio's workforce includes individuals at various life stages, from early-career employees, to those navigating family responsibilities and homeownership.
  
- **Meaningful Benefits**: Learn about Olio's approach to employee benefits and how they focus on providing options that truly matter to their staff, enhancing financial wellbeing and job satisfaction.

- **The Role of Mintago**: Discover how tools like Mintago empower employees with choice and access to independent financial advice, helping them navigate significant life decisions, such as purchasing a home or managing finances for aging parents.

- **Real-World Impact**: Hear a compelling success story of an employee who used Mintago's free financial advice to secure financial guidance and ultimately achieved their goal of homeownership.

Key takeaways from this video include insights into fostering a supportive workplace culture, the importance of personalised benefits in retaining talent, and how to enhance employee financial wellness through innovative solutions. 

See how Olio not only supports its employees, but also builds loyalty and trust within their team. By prioritising meaningful benefits and open communication, they're building a workplace where everyone can thrive.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Case%20Studys/customer-story-how-diverse-employee-benefits-saved-olio-135k.mp4</video:content_loc><video:duration>373</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Client%20Logos/Graitec_logo.svg</image:loc><image:caption>Graitec_logo</image:caption><image:title>Graitec_logo</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Benefit%20Icons%20On%20Alpha/Pensions@0.5x.png</image:loc><image:caption>Pensions@0.5x</image:caption><image:title>Pensions@0.5x</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Olio_Event_Photos-15-1-768x512.jpg</image:loc><image:caption>Olio_Event_Photos-15-1-768x512</image:caption><image:title>Olio_Event_Photos-15-1-768x512</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Case%20Studys/LogosSessions.png</image:loc><image:caption>LogosSessions</image:caption><image:title>LogosSessions</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Benefit%20Icons%20On%20Alpha/Retail@0.5x.png</image:loc><image:caption>Retail@0.5x</image:caption><image:title>Retail@0.5x</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Client%20Logos/Olio_logo.svg</image:loc><image:caption>Olio_logo</image:caption><image:title>Olio_logo</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Client%20Logos/Intelliflo_logo.svg</image:loc><image:caption>Intelliflo_logo</image:caption><image:title>Intelliflo_logo</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Client%20Logos/Healx_logo.svg</image:loc><image:caption>Healx_logo</image:caption><image:title>Healx_logo</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Client%20Logos/RideTandem_logo.svg</image:loc><image:caption>RideTandem_logo</image:caption><image:title>RideTandem_logo</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Client%20Logos/InfoSum_logo.svg</image:loc><image:caption>InfoSum_logo</image:caption><image:title>InfoSum_logo</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Case%20Studys/Ride%20Tandem%201.png</image:loc><image:caption>Ride Tandem 1</image:caption><image:title>Ride Tandem 1</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Benefit%20Icons%20On%20Alpha/Advice@0.5x.png</image:loc><image:caption>Advice@0.5x</image:caption><image:title>Advice@0.5x</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Client%20Logos/JudgeMe_logo.svg</image:loc><image:caption>JudgeMe_logo</image:caption><image:title>JudgeMe_logo</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Case%20Studys/LogosOlio.png</image:loc><image:caption>LogosOlio</image:caption><image:title>LogosOlio</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/olio%20Group.png</image:loc><image:caption>olio Group</image:caption><image:title>olio Group</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Benefit%20Icons%20On%20Alpha/Pension%20Hunter.png</image:loc><image:caption>Pension Hunter</image:caption><image:title>Pension Hunter</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Client%20Logos/Sayari_logo.svg</image:loc><image:caption>Sayari_logo</image:caption><image:title>Sayari_logo</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Benefit%20Icons%20On%20Alpha/Childcare@0.5x.png</image:loc><image:caption>Childcare@0.5x</image:caption><image:title>Childcare@0.5x</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Benefit%20Icons%20On%20Alpha/Family%20Support@0.5x.png</image:loc><image:caption>Family Support@0.5x</image:caption><image:title>Family Support@0.5x</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Client%20Logos/DigitalGenius_logo.svg</image:loc><image:caption>DigitalGenius_logo</image:caption><image:title>DigitalGenius_logo</image:title></image:image><lastmod>2026-07-07</lastmod></url><url><loc>https://mintago.com/blog/press/mintago-employer-news-financial-wellbeing-support-importance</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image 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(30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/Roundtable-Supporting-Midlife-Women-Blog-Image.png</image:loc><image:caption>Roundtable-Supporting-Midlife-Women-Blog-Image</image:caption><image:title>Roundtable-Supporting-Midlife-Women-Blog-Image</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/employee-resilience-wellbeing/kick-start-your-journey-to-money-mindfulness</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/600089cdb3662e0fdc55dad1_ladder-going-in-cloud.jpg</image:loc><image:caption>600089cdb3662e0fdc55dad1_ladder-going-in-cloud</image:caption><image:title>600089cdb3662e0fdc55dad1_ladder-going-in-cloud</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/employee-resilience-wellbeing/employee-resignation-financial-wellbeing</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/Mintago-LinkedIn-Templates-3.png</image:loc><image:caption>Mintago-LinkedIn-Templates-3</image:caption><image:title>Mintago-LinkedIn-Templates-3</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/cost-of-living-financial-challenges/money-can-you-feel-it</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image 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1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><lastmod>2025-11-21</lastmod></url><url><loc>https://mintago.com/blog/mintago-6m-funding</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 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(30)</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/pension-retirement-planning/pension-education-part-3-the-power-of-neutrality</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/Get-Started-Mintago-Pension-Wellbeing-1024x576-Mar-05-2025-06-49-11-8829-PM.png</image:loc><image:caption>Get-Started-Mintago-Pension-Wellbeing-1024x576-Mar-05-2025-06-49-11-8829-PM</image:caption><image:title>Get-Started-Mintago-Pension-Wellbeing-1024x576-Mar-05-2025-06-49-11-8829-PM</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/pension-retirement-planning/pension-awareness-support-staff</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Artboard-8Pension-Awareness_-How-to-Support-Your-Staff-and-Invest-in-the-Success-of-Your-Business.jpg</image:loc><image:caption>Artboard-8Pension-Awareness_-How-to-Support-Your-Staff-and-Invest-in-the-Success-of-Your-Business</image:caption><image:title>Artboard-8Pension-Awareness_-How-to-Support-Your-Staff-and-Invest-in-the-Success-of-Your-Business</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/financial-wellbeing-education/black-friday-and-cyber-monday</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Blog-Post-Thumb-LinkedIn.png</image:loc><image:caption>Blog-Post-Thumb-LinkedIn</image:caption><image:title>Blog-Post-Thumb-LinkedIn</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/customer-stories/biltmore-driving-employee-retention-with-financial-wellbeing</loc><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Case%20Studys/customer-story-how-the-biltmore-mayfair-is-using-financial-wellbeing-to-drive-staff-retention.mp4/medium.jpg</video:thumbnail_loc><video:title>Customer story: How The Biltmore Mayfair is using financial wellbeing to drive staff retention</video:title><video:description>In today's competitive landscape, businesses are increasingly focused on enhancing employee wellbeing and welfare. In this customer story, we delve into how The Biltmore Hotel Mayfair is using innovative solutions to support staff with rising costs and economic challenges.

Key topics covered include:

- **Comprehensive Employee Benefits**: Discover how integrating various support systems, such as pension salary sacrifice and retail discounts, can significantly benefit staff. The introduction of an all-in-one platform streamlines access to these benefits, ensuring ease of use and understanding.

- **Enhanced Health Support**: Learn about the value of a virtual GP service that provides employees with 24/7 access to medical advice, reducing the stress of long NHS wait times and offering peace of mind.

- **Diverse Employee Needs**: Understand the importance of catering to different demographics within your workforce. From fitness options for younger employees to pension guidance for older staff, tailored solutions can boost morale and retention.

- **Financial Wellbeing**: Explore how providing financial advice and resources contributes to the mental wellbeing of employees, helping them navigate financial stresses effectively.

By watching this video, you will gain actionable insights into how a centralised benefits platform can enhance your employee engagement strategy, improve retention rates, and ultimately create a healthier, more satisfied workforce.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Case%20Studys/customer-story-how-the-biltmore-mayfair-is-using-financial-wellbeing-to-drive-staff-retention.mp4</video:content_loc><video:duration>190</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Client%20Logos/LansdowneClub_logo.svg</image:loc><image:caption>LansdowneClub_logo</image:caption><image:title>LansdowneClub_logo</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Client%20Logos/Chopstix_logo.svg</image:loc><image:caption>Chopstix_logo</image:caption><image:title>Chopstix_logo</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Client%20Logos/Avis_logo.svg</image:loc><image:caption>Avis_logo</image:caption><image:title>Avis_logo</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Client%20Logos/GreenDragon_logo.svg</image:loc><image:caption>GreenDragon_logo</image:caption><image:title>GreenDragon_logo</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 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1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/press/mintago-finalist-british-hr-awards-2023</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/LinkedIn-PR-Cover-40.png</image:loc><image:caption>LinkedIn-PR-Cover-40</image:caption><image:title>LinkedIn-PR-Cover-40</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><lastmod>2025-11-21</lastmod></url><url><loc>https://mintago.com/customer-stories/crowne-plaza-attracting-talent-with-smarter-employee-benefits</loc><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Crowne%20Plaza%20Full%20Length%20FontFix.mp4/medium.jpg</video:thumbnail_loc><video:title>Customer story: How Crowne Plaza made benefits their hiring edge</video:title><video:description>In today's competitive hospitality industry, employee wellbeing is becoming a pivotal factor in attracting and retaining talent. This customer story explores how Crowne Plaza Newcastle is handling the shifting priorities of staff, emphasising the importance of work-life balance and workplace support.

Key topics discussed include:

- **Employee Wellbeing Trends**: Discover how the focus on wellbeing and work-life balance is reshaping the hospitality sector and influencing employee satisfaction.
  
- **Addressing Absenteeism**: Learn about strategies to reduce staff absences, which are critical for operational efficiency in hotels.

- **The Mintago Advantage**: Delve into the features of the Mintago platform that go beyond salary sacrifice, including Employee Assistance Programs (EAP), virtual GP services, and comprehensive financial advice. Understand why these benefits make Mintago a standout choice for businesses aiming to enhance employee support.

- **Holistic Benefits Integration**: Explore how Mintago combines various employee benefits into one seamless platform, making it easier for employers to manage and for employees to access.

By watching this video, you'll learn about the future of employee benefits in the hospitality industry and how Mintago is paving the way for a healthier, happier workforce.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Crowne%20Plaza%20Full%20Length%20FontFix.mp4</video:content_loc><video:duration>235</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/customer-story-how-crowne-plaza-made-benefits-their-hiring-edge-short-version.mp4/medium.jpg</video:thumbnail_loc><video:title>Customer story: How Crowne Plaza made benefits their hiring edge</video:title><video:description>In today's competitive hospitality industry, employee wellbeing is becoming a pivotal factor in attracting and retaining talent. This customer story explores how Crowne Plaza Newcastle is handling the shifting priorities of staff, emphasising the importance of work-life balance and workplace support.

Key topics discussed include:

- **Employee Wellbeing Trends**: Discover how the focus on wellbeing and work-life balance is reshaping the hospitality sector and influencing employee satisfaction.
  
- **Addressing Absenteeism**: Learn about strategies to reduce staff absences, which are critical for operational efficiency in hotels.

- **The Mintago Advantage**: Delve into the features of the Mintago platform that go beyond salary sacrifice, including Employee Assistance Programs (EAP), virtual GP services, and comprehensive financial advice. Understand why these benefits make Mintago a standout choice for businesses aiming to enhance employee support.

- **Holistic Benefits Integration**: Explore how Mintago combines various employee benefits into one seamless platform, making it easier for employers to manage and for employees to access.

By watching this video, you'll learn about the future of employee benefits in the hospitality industry and how Mintago is paving the way for a healthier, happier workforce.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/customer-story-how-crowne-plaza-made-benefits-their-hiring-edge-short-version.mp4</video:content_loc><video:duration>70</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Case%20Studys/kelly%20j2.png</image:loc><image:caption>kelly j2</image:caption><image:title>kelly 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(30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Press-and-Awards-7.png</image:loc><image:caption>Press-and-Awards-7</image:caption><image:title>Press-and-Awards-7</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><lastmod>2025-11-21</lastmod></url><url><loc>https://mintago.com/blog/press/mintago-chieu-cao-the-independent-2023</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/Press-and-Awards-4.png</image:loc><image:caption>Press-and-Awards-4</image:caption><image:title>Press-and-Awards-4</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><lastmod>2025-11-21</lastmod></url><url><loc>https://mintago.com/blog/salary-sacrifice/national-insurance-2025</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/Rising-Employer-National-Insurance-Contributions-Blog.png</image:loc><image:caption>Rising-Employer-National-Insurance-Contributions-Blog</image:caption><image:title>Rising-Employer-National-Insurance-Contributions-Blog</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/press/mintago-finalist-esg-awards-2023</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/Blog-Post-Cover_Financial-Wellbeing-1.png</image:loc><image:caption>Blog-Post-Cover_Financial-Wellbeing-1</image:caption><image:title>Blog-Post-Cover_Financial-Wellbeing-1</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/hrs-isa-questions-employee-savings</loc><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/What%20can%20employers%20do%20to%20help%20employees%20navigate%20these%20changes_.mp4/medium.jpg</video:thumbnail_loc><video:title>Financial adviser – ISA changes (2027) – How HR can help employees</video:title><video:description>This video explores how Mintago connects employees with financial specialists, including mortgage and financial advisors, to navigate personal finance challenges effectively.

Key takeaways from this video include:

- **Access to Expertise**: Learn about the app's feature that allows employees to engage with financial advisors for tailored advice, helping them make informed decisions about their finances.

- **Impact of Professional Guidance**: Discover insights from an independent study that highlights how professional financial advice can potentially lead to an additional two percent net growth per year, emphasizing the value of utilizing experts.

- **Empowering Employees**: Understand how Mintago aims to upskill employees, directing them towards actionable steps they can take to improve their financial situation while freeing up their time for personal interests and family.

Join us as we delve into the benefits of engaging with financial advisors through Mintago, enhancing your financial wellbeing and overall workplace satisfaction. Don't miss out on the opportunity to empower your workforce with expert guidance and support.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/What%20can%20employers%20do%20to%20help%20employees%20navigate%20these%20changes_.mp4</video:content_loc><video:duration>74</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>EmployeeBenefits</video:tag><video:tag>Savings</video:tag><video:tag>IFA</video:tag><video:tag>Mintago</video:tag><video:tag>EmployeeSupport</video:tag><video:tag>Budget</video:tag><video:tag>FinancialAdviser</video:tag></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/What%20do%20the%20ISA%20changes%20mean%20for%20savers_.mp4/medium.jpg</video:thumbnail_loc><video:title>Financial adviser – ISA Changes (2027) – Impact on employee savings</video:title><video:description>This video offers essential insights on how to navigate current financial landscapes effectively.

In this informative session, an independent financial adviser explores the implications of recent changes to cash ISA limits and how they affect savers. Key points include:

- **Cash ISA Restrictions**: Understand the new limits on contributions and the potential decline in interest rates, prompting a reevaluation of your savings strategies.
- **Investment Alternatives**: Discover how stocks and shares ISAs can offer better returns than cash savings, especially for those looking to invest over a five-year horizon.
- **Maximizing Returns**: Learn about premium bonds and high-interest savings accounts that can enhance your cash holdings while taking advantage of tax allowances based on your tax bracket.
- **Market Fluctuations**: Gain insights into the risk-reward balance of stocks and shares investing, supported by expert advice on aligning investments with your risk profile.

By the end of this video, viewers will have actionable strategies for optimizing their savings and investment decisions, whether through cash ISAs or exploring stock market opportunities.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/What%20do%20the%20ISA%20changes%20mean%20for%20savers_.mp4</video:content_loc><video:duration>190</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>Savings</video:tag><video:tag>IFA</video:tag><video:tag>Budget</video:tag><video:tag>FinancialAdviser</video:tag><video:tag>ISAs</video:tag></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/What%20changes%20are%20the%20government%20making%20to%20ISAs_.mp4/medium.jpg</video:thumbnail_loc><video:title>Financial adviser – ISA changes (2027) – What HR needs to know</video:title><video:description>Starting April 6, 2027, the cash ISA limit will be reduced to £12,000, while the overall ISA allowance remains at £20,000. This video provides crucial insights into this significant financial shift.

Key topics covered in this video include:
- An overview of the new cash ISA limit and its implications for employee savings.
- Explanation of how the total ISA allowance will still allow flexibility in investing between cash ISAs and stocks and shares ISAs.
- Important details regarding the treatment of individuals over 65, who will not see any changes to their cash ISA limits.
- Changes in transferring funds between stocks and shares ISAs and cash ISAs post-2027.

HR leaders will gain actionable insights into how to effectively help employees navigate these changes, allowing them to maximise their savings and investment potential. Learn how to help your team plan their financial future in light of these new regulations and ensure they make the most of your ISA allowances.

Don't miss out on this essential information that could help safeguard your team's financial wellbeing and enhance their savings strategy.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/What%20changes%20are%20the%20government%20making%20to%20ISAs_.mp4</video:content_loc><video:duration>88</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>Savings</video:tag><video:tag>EmployeeFinances</video:tag><video:tag>IFA</video:tag><video:tag>FinancialAdvice</video:tag><video:tag>Budget</video:tag><video:tag>ISAs</video:tag></video:video><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/IFS%20Gamble%20Blog%202.jpg</image:loc><image:caption>IFS Gamble Blog 2</image:caption><image:title>IFS Gamble Blog 2</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><lastmod>2026-07-07</lastmod></url><url><loc>https://mintago.com/blog/press/mintago-west-london-business-awards-2022-shortlist</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/WLB-Awards-2022.png</image:loc><image:caption>WLB-Awards-2022</image:caption><image:title>WLB-Awards-2022</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><lastmod>2025-11-21</lastmod></url><url><loc>https://mintago.com/blog/employee-resilience-wellbeing/remote-working-a-permanent-fixture</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/600089cdb3662e502455d9d9_toy-elephant-on-table.jpg</image:loc><image:caption>600089cdb3662e502455d9d9_toy-elephant-on-table</image:caption><image:title>600089cdb3662e502455d9d9_toy-elephant-on-table</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/employee-benefits-perks/brand-new-start-for-mintago</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/New-Brand-Announcement-BlogThumb.png</image:loc><image:caption>New-Brand-Announcement-BlogThumb</image:caption><image:title>New-Brand-Announcement-BlogThumb</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/financial-wellbeing-education/financial-education-part-3-the-power-of-neutrality</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/confused.jpg</image:loc><image:caption>confused</image:caption><image:title>confused</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/main-pensions-explained/</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/27001-RGB-White.jpg</image:loc><image:caption>27001-RGB-White</image:caption><image:title>27001-RGB-White</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Screenshot-2022-05-25-at-16.30.33.png</image:loc><image:caption>Screenshot-2022-05-25-at-16.30.33</image:caption><image:title>Screenshot-2022-05-25-at-16.30.33</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Screenshot-2022-05-25-at-16.33.06.png</image:loc><image:caption>Screenshot-2022-05-25-at-16.33.06</image:caption><image:title>Screenshot-2022-05-25-at-16.33.06</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Home%20and%20Garden.jpg</image:loc><image:caption>Home and Garden</image:caption><image:title>Home and Garden</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_Logo_App_Icon_onBlue_RGB.png</image:loc><image:caption>Mintago_Logo_App_Icon_onBlue_RGB</image:caption><image:title>Mintago_Logo_App_Icon_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Screenshot-2022-05-25-at-16.34.31.png</image:loc><image:caption>Screenshot-2022-05-25-at-16.34.31</image:caption><image:title>Screenshot-2022-05-25-at-16.34.31</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Minimum%20wage.jpg</image:loc><image:caption>Minimum wage</image:caption><image:title>Minimum wage</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Screenshot-2022-05-25-at-16.46.36.png</image:loc><image:caption>Screenshot-2022-05-25-at-16.46.36</image:caption><image:title>Screenshot-2022-05-25-at-16.46.36</image:title></image:image><lastmod>2025-06-10</lastmod></url><url><loc>https://mintago.com/blog/financial-wellbeing-education/financial-stability-for-employees</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/Artboard-9_Ensure-Long-term-Financial-Stability-for-Your-Employees_-5-Essential-Steps.jpg</image:loc><image:caption>Artboard-9_Ensure-Long-term-Financial-Stability-for-Your-Employees_-5-Essential-Steps</image:caption><image:title>Artboard-9_Ensure-Long-term-Financial-Stability-for-Your-Employees_-5-Essential-Steps</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/financial-wellbeing-education/financial-education-part-4-inclusive-at-heart</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/MintagoLaptop.jpg</image:loc><image:caption>MintagoLaptop</image:caption><image:title>MintagoLaptop</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/pricing</loc><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/(Updated)%20founders%20trailer%20(1).mp4/medium.jpg</video:thumbnail_loc><video:title>(Updated) founders trailer (1)</video:title><video:description>(Updated) founders trailer (1)</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/(Updated)%20founders%20trailer%20(1).mp4</video:content_loc><video:duration>152</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Funding%20Interview%20with%20subs.mp4/medium.jpg</video:thumbnail_loc><video:title>Mintago supporting SME businesses with employee benefits</video:title><video:description>Are you passionate about improving financial well-being for employees? Join us in this insightful discussion about Mintago, a groundbreaking initiative designed to enhance financial health in the workplace.

In this video, we explore the origins of Mintago, founded with a mission to create a positive social impact by addressing the financial challenges that affect mental and physical health. Learn about the importance of financial education and the lack of money management skills taught in schools.

Key themes covered include:

**Employee-Centric Solutions**: Discover how Mintago focuses on driving value for both employees and employers by identifying lost pensions and reducing childcare costs.
**Success Stories**: Hear real feedback from employees grateful for the financial advice and support they receive, leading to significant annual savings.
**Employer Benefits**: Understand how Mintago aids employers in attracting top talent while also providing measurable financial benefits, including over £4 million in savings annually.
**Future Growth**: Explore Mintago's expansion into new markets and the recent funding that will enhance their ability to engage employees effectively.

Key takeaways from this video include:

- The critical link between financial health and overall wellbeing.
- Strategies for employers to support their staff financially and improve retention.
- Insights into Mintago's innovative approach to financial well-being and how it sets them apart in the industry.

Join us as we celebrate the remarkable journey of Mintago and its commitment to making a tangible difference in the lives of employees and employers alike.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Funding%20Interview%20with%20subs.mp4</video:content_loc><video:duration>183</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>SocialImpact</video:tag><video:tag>EmployeeBenefits</video:tag><video:tag>EmployeeEngagement</video:tag><video:tag>FinancialWellBeing</video:tag><video:tag>FinancialEducation</video:tag></video:video><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Logos-Update-WhiteAvis.png.png</image:loc><image:caption>Logos-Update-WhiteAvis.png</image:caption><image:title>Logos-Update-WhiteAvis.png</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Parnerships/Artboard%204.png</image:loc><image:caption>Artboard 4</image:caption><image:title>Artboard 4</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Logos-Update-WhiteToniandGuy.png.png</image:loc><image:caption>Logos-Update-WhiteToniandGuy.png</image:caption><image:title>Logos-Update-WhiteToniandGuy.png</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Pricing%20Page%20Hero%206.png</image:loc><image:caption>Pricing Page Hero 6</image:caption><image:title>Pricing Page Hero 6</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Parnerships/Artboard%205.png</image:loc><image:caption>Artboard 5</image:caption><image:title>Artboard 5</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Tendr%20Icons%20%2B%20Extras%20White_Childcare%20copy.png</image:loc><image:caption>Tendr Icons + Extras White_Childcare copy</image:caption><image:title>Tendr Icons + Extras White_Childcare copy</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Northumbria%20Police%20Force.png</image:loc><image:caption>Northumbria Police Force</image:caption><image:title>Northumbria Police Force</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image 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1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Press-and-Awards-8.png</image:loc><image:caption>Press-and-Awards-8</image:caption><image:title>Press-and-Awards-8</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/press/mintago-finalist-go-tech-awards-2023</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Press-and-Awards-9.png</image:loc><image:caption>Press-and-Awards-9</image:caption><image:title>Press-and-Awards-9</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/roundtable-the-support-working-women-actually-want-and-need</loc><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Georgie%20Mack%20%E2%80%93%20Vox%20Pop%20%E2%80%93%20Why%20employers%20shouldnt%20make%20assumptions%202.mov/medium.jpg</video:thumbnail_loc><video:title>Georgie Mack – Vox Pop – Why employers shouldnt make assumptions 2</video:title><video:description>Georgie Mack – Vox Pop – Why employers shouldnt make assumptions 2</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Georgie%20Mack%20%E2%80%93%20Vox%20Pop%20%E2%80%93%20Why%20employers%20shouldnt%20make%20assumptions%202.mov</video:content_loc><video:duration>24</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Thaisa%20Money%20(Olio)%20%E2%80%93%20Vox%20Pop%20%E2%80%93%20The%20true%20flexibility%20working%20women%20need%202.mov/medium.jpg</video:thumbnail_loc><video:title>Thaisa Money (Olio) – Vox Pop – The true flexibility working women need 2</video:title><video:description>Thaisa Money (Olio) – Vox Pop – The true flexibility working women need 2</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Thaisa%20Money%20(Olio)%20%E2%80%93%20Vox%20Pop%20%E2%80%93%20The%20true%20flexibility%20working%20women%20need%202.mov</video:content_loc><video:duration>25</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Partner/quote%20blue.png</image:loc><image:caption>quote blue</image:caption><image:title>quote blue</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/sarah-moultan-oct-2025.jpg.webp</image:loc><image:caption>sarah-moultan-oct-2025.jpg</image:caption><image:title>sarah-moultan-oct-2025.jpg</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Thaisa-Olio_Portrait_Photos-5-1.jpeg</image:loc><image:caption>Thaisa-Olio_Portrait_Photos-5-1</image:caption><image:title>Thaisa-Olio_Portrait_Photos-5-1</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/BF7A1121.00_09_33_23.Still038.jpg</image:loc><image:caption>BF7A1121.00_09_33_23.Still038</image:caption><image:title>BF7A1121.00_09_33_23.Still038</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><lastmod>2026-03-11</lastmod></url><url><loc>https://mintago.com/blog/financial-wellbeing-education/life-insurance-employees</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/Blog-Post-Cover.png</image:loc><image:caption>Blog-Post-Cover</image:caption><image:title>Blog-Post-Cover</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/customer-stories/sessions-saves-national-insurance-with-salary-sacrifice</loc><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Case%20Studys/customer-story-how-sessions-unlocked-more-than-25k-with-salary-sacrifice.mp4/medium.jpg</video:thumbnail_loc><video:title>Customer story: How Sessions unlocked more than £25k with salary sacrifice</video:title><video:description>Navigating the complexities of work and family life can be challenging, especially for those in the sandwich generation. In this insightful video, we speak to Kelly Davis from Sessions about the unspoken realities of balancing professional responsibilities with personal caregiving duties. 

Key topics discussed include:

- The stigma around discussing personal life at work and its impact on job seekers with families.
- The importance of flexibility in the workplace to accommodate employees with children and aging family members.
- The overwhelming nature of seeking elder care and the need for supportive workplace benefits, such as elderly care support.
- How companies can demonstrate their commitment to employee wellbeing by offering comprehensive benefits packages.

Viewers will gain key takeaways on fostering an open dialogue about personal challenges in the workplace, understanding the significance of flexible working arrangements, and recognising the value of supportive benefits that cater to both childcare and elderly care needs.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Case%20Studys/customer-story-how-sessions-unlocked-more-than-25k-with-salary-sacrifice.mp4</video:content_loc><video:duration>112</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Case%20Studys/Sessions%20Market%20%E2%80%93%20Kelly%20Davis%20Long%20Cut%20Subs.mp4/medium.jpg</video:thumbnail_loc><video:title>Customer story: How Sessions unlocked more than £25k with salary sacrifice</video:title><video:description>Navigating the complexities of work and family life can be challenging, especially for those in the sandwich generation. In this insightful video, we speak to Kelly Davis from Sessions about the unspoken realities of balancing professional responsibilities with personal caregiving duties. 

Key topics discussed include:

- The stigma around discussing personal life at work and its impact on job seekers with families.
- The importance of flexibility in the workplace to accommodate employees with children and aging family members.
- The overwhelming nature of seeking elder care and the need for supportive workplace benefits, such as elderly care support.
- How companies can demonstrate their commitment to employee wellbeing by offering comprehensive benefits packages.

Viewers will gain key takeaways on fostering an open dialogue about personal challenges in the workplace, understanding the significance of flexible working arrangements, and recognising the value of supportive benefits that cater to both childcare and elderly care needs.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Case%20Studys/Sessions%20Market%20%E2%80%93%20Kelly%20Davis%20Long%20Cut%20Subs.mp4</video:content_loc><video:duration>324</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Benefit%20Icons%20On%20Alpha/Salary%20Sacrifice%20copy@0.5x.png</image:loc><image:caption>Salary Sacrifice copy@0.5x</image:caption><image:title>Salary Sacrifice 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(30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Benefit%20Icons%20On%20Alpha/Artboard%205@0.5x.png</image:loc><image:caption>Artboard 5@0.5x</image:caption><image:title>Artboard 5@0.5x</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Case%20Studys/Kelly-Davis2.png</image:loc><image:caption>Kelly-Davis2</image:caption><image:title>Kelly-Davis2</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/%2BMKT%2B%20Client%20Logos/DigitalGenius_logo.svg</image:loc><image:caption>DigitalGenius_logo</image:caption><image:title>DigitalGenius_logo</image:title></image:image><lastmod>2026-07-07</lastmod></url><url><loc>https://mintago.com/blog/pension-retirement-planning/pension-awareness-how-employers-can-support-their-staff</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/Get-Started-Mintago-Pension-Wellbeing-1024x576-Mar-05-2025-06-49-11-8829-PM.png</image:loc><image:caption>Get-Started-Mintago-Pension-Wellbeing-1024x576-Mar-05-2025-06-49-11-8829-PM</image:caption><image:title>Get-Started-Mintago-Pension-Wellbeing-1024x576-Mar-05-2025-06-49-11-8829-PM</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog/financial-wellbeing-education/talking-employees-finances</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Imported_Blog_Media/1-1.png</image:loc><image:caption>1-1</image:caption><image:title>1-1</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://mintago.com/blog</loc><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/pension-salary-sacrifice-budget-changes-explained.mov/medium.jpg</video:thumbnail_loc><video:title>pension-salary-sacrifice-budget-changes-explained</video:title><video:description>In this video, James Justice, an independent financial adviser tells HR and Finance managers what changes to Pension Salary Sacrifice were announced in the 2025 UK Autumn Budget.

Watch this video to learn:

* How Pension Salary Sacrifice works
* How much the new cap on Pension Salary Sacrifice savings will be
* When the cap will be introduced
* How the cap affects employee and employer savings</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/pension-salary-sacrifice-budget-changes-explained.mov</video:content_loc><video:duration>46</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>EmployeePensions</video:tag><video:tag>EmployeeBenefits</video:tag><video:tag>PensionSalarySacrifice</video:tag><video:tag>Budget2025</video:tag><video:tag>FinancialAdvice</video:tag><video:tag>PensionContributions</video:tag><video:tag>SalarySacrifice</video:tag></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Thaisa%20Money%20(Olio)%20%E2%80%93%20Vox%20Pop%20%E2%80%93%20The%20true%20flexibility%20working%20women%20need%202.mov/medium.jpg</video:thumbnail_loc><video:title>Thaisa Money (Olio) – Vox Pop – The true flexibility working women need 2</video:title><video:description>Thaisa Money (Olio) – Vox Pop – The true flexibility working women need 2</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Thaisa%20Money%20(Olio)%20%E2%80%93%20Vox%20Pop%20%E2%80%93%20The%20true%20flexibility%20working%20women%20need%202.mov</video:content_loc><video:duration>25</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Georgie%20Mack%20%E2%80%93%20Where%20HR%20Should%20Start%20When%20Building%20a%20Strategy%20for%20Retaining%20Women.mp4/medium.jpg</video:thumbnail_loc><video:title>Georgie Mack – Where HR Should Start When Building a Strategy for Retaining Women</video:title><video:description>In today's evolving workplace landscape, supporting women and fostering inclusivity is more crucial than ever. In this video, Georgie Mack dives deep into the nuances of creating a supportive environment for all employees, focusing on practical strategies that organisations can implement.

Key topics discussed in this video include:
- The limitations of generic approaches to workplace inclusivity and why tailored strategies are essential.
- Understanding the unique culture and system of your workplace to effectively support women and all employees.
- The importance of evidence-based practices over guesswork when assessing workplace needs.
- Insight into how to create meaningful change by identifying specific areas where employers can exert influence.

Viewers will gain actionable insights on how to recognize and address the distinct challenges faced by female employees, enhancing overall workplace satisfaction and productivity. This video emphasises the need for a thoughtful approach to employee support, highlighting that each workplace is unique and requires a customised strategy for optimal impact.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Georgie%20Mack%20%E2%80%93%20Where%20HR%20Should%20Start%20When%20Building%20a%20Strategy%20for%20Retaining%20Women.mp4</video:content_loc><video:duration>70</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>HRStrategy</video:tag><video:tag>EmployeeBenefits</video:tag><video:tag>EmployeeRetention</video:tag><video:tag>HRData</video:tag><video:tag>RetainingWomen</video:tag><video:tag>WorkplaceStrategy</video:tag><video:tag>Turnover</video:tag><video:tag>EmployeeSupport</video:tag><video:tag>Retention</video:tag></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/pension-salary-sacrifice-budget-cap-what-should-employees-do.mov/medium.jpg</video:thumbnail_loc><video:title>Pension Salary Sacrifice Budget Cap What Should Employees Do</video:title><video:description>In this video, James Justice, an independent financial adviser tells HR and Finance managers what the upcoming changes to Pension Salary Sacrifice mean for your employees and their retirement savings.

Key takeaways from this video include:

- Why some of your employees may want to optimise their pension savings strategy before 2029 to maximise their savings.
- Specific advice for employees nearing retirement.
- Recommendations on adopting a more aggressive approach to pension contributions in the lead-up to regulatory changes.

This video provides valuable insights and actionable advice for those looking to enhance their pension savings and secure a more comfortable retirement.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/pension-salary-sacrifice-budget-cap-what-should-employees-do.mov</video:content_loc><video:duration>22</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>EmployeeBenefits</video:tag><video:tag>PensionSalarySacrifice</video:tag><video:tag>Budget2025</video:tag><video:tag>FinancialAdvice</video:tag><video:tag>PensionContributions</video:tag><video:tag>RetirementSavings</video:tag></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/What%20changes%20are%20the%20government%20making%20to%20ISAs_.mp4/medium.jpg</video:thumbnail_loc><video:title>Financial adviser – ISA changes (2027) – What HR needs to know</video:title><video:description>Starting April 6, 2027, the cash ISA limit will be reduced to £12,000, while the overall ISA allowance remains at £20,000. This video provides crucial insights into this significant financial shift.

Key topics covered in this video include:
- An overview of the new cash ISA limit and its implications for employee savings.
- Explanation of how the total ISA allowance will still allow flexibility in investing between cash ISAs and stocks and shares ISAs.
- Important details regarding the treatment of individuals over 65, who will not see any changes to their cash ISA limits.
- Changes in transferring funds between stocks and shares ISAs and cash ISAs post-2027.

HR leaders will gain actionable insights into how to effectively help employees navigate these changes, allowing them to maximise their savings and investment potential. Learn how to help your team plan their financial future in light of these new regulations and ensure they make the most of your ISA allowances.

Don't miss out on this essential information that could help safeguard your team's financial wellbeing and enhance their savings strategy.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/What%20changes%20are%20the%20government%20making%20to%20ISAs_.mp4</video:content_loc><video:duration>88</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>Savings</video:tag><video:tag>EmployeeFinances</video:tag><video:tag>IFA</video:tag><video:tag>FinancialAdvice</video:tag><video:tag>Budget</video:tag><video:tag>ISAs</video:tag></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/how-can-employees-maximise-pension-savings.mov/medium.jpg</video:thumbnail_loc><video:title>How Can Employees Maximise Pension Savings</video:title><video:description>Are your employees maximising their pension growth potential? In this video, James Justice, an independent financial adviser reveals surprising truths about pension contributions, tax relief, and investment growth that every HR and Finance manager should know.

Key topics covered include:
- Understanding the true sources of pension value: Learn how much pension growth actually comes from tax relief, employer contributions, and investment returns.
- The importance of investment growth: Discover why focusing on investment strategy can significantly enhance your employees' pension value over time.
- Evaluating risk: Why your employees should assess their risk tolerance and its impact on pension returns.
- Preparing for pension rule changes: With new tax regulations on the horizon, now is the time for your employees to review pension pots and ensure they align with retirement goals.

Key takeaways:
- Investment growth accounts for a staggering 65% of pension growth, far exceeding contributions and tax relief.
- A small adjustment in investment strategy can lead to substantial differences to your employees' retirement savings – potentially adding hundreds of thousands to their pension pots.
- Utilising resources like the Mintago app can connect your employees with financial advisers who can provide personalised guidance to help them optimise pension investments.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/how-can-employees-maximise-pension-savings.mov</video:content_loc><video:duration>123</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>FinancialAdvisors</video:tag><video:tag>RetirementPlanning</video:tag><video:tag>WorkplacePensions</video:tag><video:tag>InvestmentStrategies</video:tag><video:tag>PensionGrowth</video:tag></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Georgie%20Mack%20%E2%80%93%20What%20Do%20Standard%20HR%20Stategies%20Miss.mp4/medium.jpg</video:thumbnail_loc><video:title>Georgie Mack – What Do Standard HR Stategies Miss</video:title><video:description>Are traditional engagement surveys failing to capture the true essence of workplace wellbeing? In this insightful video, Georgie Mack explains the limitations of conventional measurement tools and proposes a more scientific approach to understanding employee health and energy in the workplace.

Key points discussed in the video include:

- **The Limitations of Engagement Surveys**: Georgie explains how many surveys are sentiment-driven and often include token questions regarding wellbeing that fail to provide actionable insights.

- **The Importance of Evidence-Based Data**: Discover why it's essential to adopt a systematic approach to workplace wellbeing, focusing on the nuances that affect employee experience and productivity.

- **The Role of Energy in the Workplace**: Georgie talks about the critical yet often overlooked dimension of energy among teams. Learn how energy levels can significantly impact performance and overall business outcomes.

- **Revisiting Measurement Strategies**: Georgie recommends a reevaluation of what organisations measure and value when it comes to employee engagement and wellbeing.

By the end of this video, viewers will gain actionable insights into how to improve workplace wellbeing through better data collection and understanding of employee dynamics.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Georgie%20Mack%20%E2%80%93%20What%20Do%20Standard%20HR%20Stategies%20Miss.mp4</video:content_loc><video:duration>125</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>HRStrategy</video:tag><video:tag>HRTools</video:tag><video:tag>EmployeeBenefits</video:tag><video:tag>EmployeeRetention</video:tag><video:tag>EngagementSurveys</video:tag><video:tag>WorkplaceWellbeing</video:tag><video:tag>HRData</video:tag><video:tag>EmployeeAbsenteeism</video:tag></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/What%20can%20employers%20do%20to%20help%20employees%20navigate%20these%20changes_.mp4/medium.jpg</video:thumbnail_loc><video:title>Financial adviser – ISA changes (2027) – How HR can help employees</video:title><video:description>This video explores how Mintago connects employees with financial specialists, including mortgage and financial advisors, to navigate personal finance challenges effectively.

Key takeaways from this video include:

- **Access to Expertise**: Learn about the app's feature that allows employees to engage with financial advisors for tailored advice, helping them make informed decisions about their finances.

- **Impact of Professional Guidance**: Discover insights from an independent study that highlights how professional financial advice can potentially lead to an additional two percent net growth per year, emphasizing the value of utilizing experts.

- **Empowering Employees**: Understand how Mintago aims to upskill employees, directing them towards actionable steps they can take to improve their financial situation while freeing up their time for personal interests and family.

Join us as we delve into the benefits of engaging with financial advisors through Mintago, enhancing your financial wellbeing and overall workplace satisfaction. Don't miss out on the opportunity to empower your workforce with expert guidance and support.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/What%20can%20employers%20do%20to%20help%20employees%20navigate%20these%20changes_.mp4</video:content_loc><video:duration>74</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>EmployeeBenefits</video:tag><video:tag>Savings</video:tag><video:tag>IFA</video:tag><video:tag>Mintago</video:tag><video:tag>EmployeeSupport</video:tag><video:tag>Budget</video:tag><video:tag>FinancialAdviser</video:tag></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Georgie%20Mack%20%E2%80%93%20The%20Business%20Case%20for%20Supporting%20Women%20in%20Work.mp4/medium.jpg</video:thumbnail_loc><video:title>Georgie Mack – The Business Case for Supporting Women in Work</video:title><video:description>Georgie Mack explains the business impact of the challenges faced by women throughout their careers.

Key themes discussed in this video include:

- **Workplace Challenges for Women**: We explore how the demands of balancing work and home life can make it untenable for women, leading to difficult choices between part-time work or leaving the organisation altogether.

- **Impact of Employee Turnover**: Discover the financial implications of losing experienced female employees, with estimates suggesting that replacing a senior professional can cost between 75% to 150% of their annual salary. 

- **Presenteeism and Wellbeing**: Georgie addresses the risks of presenteeism and stress-related health issues that arise when employees feel overwhelmed by their dual roles. 

- **Proactive Measures**: Learn how organisations can leverage data to identify potential risks and take preventive actions to support their employees before it’s too late.

By viewing this video, you will gain crucial insights into managing employee wellbeing, particularly for women in leadership roles. Understand how fostering a supportive environment can not only retain valuable talent but also enhance the overall corporate culture.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Georgie%20Mack%20%E2%80%93%20The%20Business%20Case%20for%20Supporting%20Women%20in%20Work.mp4</video:content_loc><video:duration>107</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>Productivity</video:tag><video:tag>EmployeeRetention</video:tag><video:tag>RetainingWomen</video:tag><video:tag>Turnover</video:tag><video:tag>Absenteeism</video:tag><video:tag>Retention</video:tag><video:tag>WomenInWorkplace</video:tag></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Georgie%20Mack%20%E2%80%93%20Vox%20Pop%20%E2%80%93%20Why%20employers%20shouldnt%20make%20assumptions%202.mov/medium.jpg</video:thumbnail_loc><video:title>Georgie Mack – Vox Pop – Why employers shouldnt make assumptions 2</video:title><video:description>Georgie Mack – Vox Pop – Why employers shouldnt make assumptions 2</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Georgie%20Mack%20%E2%80%93%20Vox%20Pop%20%E2%80%93%20Why%20employers%20shouldnt%20make%20assumptions%202.mov</video:content_loc><video:duration>24</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><video:video><video:thumbnail_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/What%20do%20the%20ISA%20changes%20mean%20for%20savers_.mp4/medium.jpg</video:thumbnail_loc><video:title>Financial adviser – ISA Changes (2027) – Impact on employee savings</video:title><video:description>This video offers essential insights on how to navigate current financial landscapes effectively.

In this informative session, an independent financial adviser explores the implications of recent changes to cash ISA limits and how they affect savers. Key points include:

- **Cash ISA Restrictions**: Understand the new limits on contributions and the potential decline in interest rates, prompting a reevaluation of your savings strategies.
- **Investment Alternatives**: Discover how stocks and shares ISAs can offer better returns than cash savings, especially for those looking to invest over a five-year horizon.
- **Maximizing Returns**: Learn about premium bonds and high-interest savings accounts that can enhance your cash holdings while taking advantage of tax allowances based on your tax bracket.
- **Market Fluctuations**: Gain insights into the risk-reward balance of stocks and shares investing, supported by expert advice on aligning investments with your risk profile.

By the end of this video, viewers will have actionable strategies for optimizing their savings and investment decisions, whether through cash ISAs or exploring stock market opportunities.</video:description><video:content_loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/What%20do%20the%20ISA%20changes%20mean%20for%20savers_.mp4</video:content_loc><video:duration>190</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>Savings</video:tag><video:tag>IFA</video:tag><video:tag>Budget</video:tag><video:tag>FinancialAdviser</video:tag><video:tag>ISAs</video:tag></video:video><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Partner/quote%20blue.png</image:loc><image:caption>quote blue</image:caption><image:title>quote blue</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/pexels-pixabay-159519.jpg</image:loc><image:caption>pexels-pixabay-159519</image:caption><image:title>pexels-pixabay-159519</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 1000001853</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/image%20(30).png</image:loc><image:caption>image (30)</image:caption><image:title>image (30)</image:title></image:image><lastmod>2025-11-24</lastmod></url><url><loc>https://mintago.com/privacy-policy</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853-1.webp</image:loc><image:caption>Frame 1000001853-1</image:caption><image:title>Frame 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V2</image:caption><image:title>minimum wage V2</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago_onBlue_RGB.png</image:loc><image:caption>Mintago_onBlue_RGB</image:caption><image:title>Mintago_onBlue_RGB</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Mintago%20March%202025/Images/Mintago_onWhite_RGB.png</image:loc><image:caption>Mintago_onWhite_RGB</image:caption><image:title>Mintago_onWhite_RGB</image:title></image:image><lastmod>2026-04-02</lastmod></url><url><loc>https://mintago.com/elderlycare-support</loc><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/1in7.png</image:loc><image:caption>1in7</image:caption><image:title>1in7</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Artboard%206.jpg</image:loc><image:caption>Artboard 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(30)</image:title></image:image><image:image><image:loc>https://6621281.fs1.hubspotusercontent-na1.net/hubfs/6621281/Frame%201000001853.png</image:loc><image:caption>Frame 1000001853</image:caption><image:title>Frame 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