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Update
OCTOBER 1ST 2026
Auto-enrollment for 530A (Trump) Accounts changes what comes next for families
As of October 1, eligible children will be automatically enrolled in 530A (Trump) Accounts. Families still need to take action to claim their child’s account and to make an election for the $1,000 pilot program contribution.
Financial security remains out of reach for millions
When most Americans lack financial security, it signals a systems challenge that we must solve together.
Millions of households earning low and moderate incomes (LMI) face increasing financial pressure. Volatile income, high costs, and limited access to quality financial products create daily challenges and long-term barriers to wealth.
Solutions exist—and they work when the right partners align around evidence. Commonwealth brings together employers, financial service providers, innovators, and policymakers to design and scale strategies that build real financial security.
Who We Partner With
Partnerships that Drive Financial Opportunity
We partner with employers, the financial services industry, and policymakers to design solutions that expand financial security and opportunity for millions of people. Our work combines rigorous research, market expertise, and a deep understanding of household financial challenges to create approaches that scale across sectors.
Trusted By
Our Latest Research and Insights
Impact Areas
Proven Approaches That Drive Measurable Change
Our work addresses the financial issues that most affect LMI households today by shaping the systems that influence long-term economic opportunity.
Each initiative is grounded in research and shaped in partnership with organizations positioned to drive meaningful impact.
Financial Security Through Work
Helping employers design and scale benefits that improve financial security and retention.
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Access to Wealth Building
Expanding pathways for people to invest and strengthen their financial futures.
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AI for Financial Opportunity
Ensuring AI-powered financial tools advance equity and work for the people who need them most.
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New Pathways to Financial Security
Co-designing and testing complementary solutions with the partners who can deliver them at scale.
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What We’re Working On
Evidence of What Works and What’s Possible
Together with funders and partners, we’re expanding what’s possible for households across the country in workplace financial benefits, inclusive investing, and financial AI. Explore our initiatives and pilot programs to see how we’re turning insights into lasting change.
Latest Research
Latest Thinking
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25 Years In and Looking Ahead
Lessons from experimentation, evidence, and partnership, and an invitation to help shape what comes next
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