
Voices of Change
June 3-5, 2025 | San Diego, CA | Sheraton San Diego Resort
We will immerse our attendees in the stories of real people across America – those facing challenges and those working to solve them – as they share what it will take to achieve financial health for all. As we work to drive systemic change across the financial ecosystem in a pivotal post-election year, the EMERGE Financial Health event will connect you to the changemakers shaping our path forward.
Meet Real People. Drive Real Change.
EMERGE Financial Health is the can’t-miss event of the year for stories and solutions from across our movement.

Get Informed
Dive deep into people’s diverse experiences with money, and gain insight from the visionary leaders intentionally designing solutions around them.

Get Connected
Meet hundreds of senior decision-makers from financial institutions, fintechs, major employers, policy, research, and more, with a new networking format that skips the small talk and heads straight to solutions.

Get Inspired
Hear real financial health stories from diverse community members in our most intimate session lineup yet, and leave with greater empathy and energy for advancing financial health.

What's New
You asked, we listened – this year’s event features even more opportunities to create community and build connections across our movement and beyond.
- Role-Based Breakout Sessions | Meet attendees in similar roles or functions during these purposeful interactive sessions. Engage in meaningful discussions about common challenges, opportunities, and strategies for advancing financial health
- Dynamic Mainstage Sessions | Get more of the movement’s best ideas as we weave together candid conversations, keynotes, and videos on our mainstage – all in a shorter format that leaves plenty of time to experience San Diego.
- Enhanced Member Experiences | Create momentum on your mission to improve financial lives with an extensive lineup of Member-exclusive experiences.
Explore the Sessions
After 3 days of inspiring talks, incredible networking, and energizing social events our community is ready to take financial health to the next level. Thank you to all of the attendees and supporters of EMERGE for making it the best EMERGE yet. Revisit all of the mainstage sessions here and stay engaged with our community on your finhealth journey.
Keynote Address: Building the Future
Hear from Financial Health Network President and CEO Jennifer Tescher as she celebrates 20 years of financial health and lays out the hard work ahead.
Financial Health Visionary Award: A Fireside Conversation with Our New Honoree
See the highlights from our fireside conversation with our new Financial Health Visionary Award honoree Brian Moynihan, Chair of the Board and Chief Executive Officer at Bank of America. Learn about his commitment to financial health, the critical issues that will impact our progress, and how they’re already making a mark on our community’s next chapter.
The Next Generation of Financial Health
From FinTok to loud budgeting, younger generations are approaching their finances in new ways. Learn about their unique financial habits and how financial institutions can best support them as they work toward financial independence.
“The Barber of Little Rock” and One Man’s Quest to Close the Racial Wealth Gap
Join Arlo Washington for a screening of ‘The Barber of Little Rock,’ an Oscar-nominated documentary short detailing his journey from Little Rock, Arkansas, barber to founder of a visionary bank called People Trust, then listen in on a fireside chat with Arlo about closing the racial wealth gap.
Keynote Address: Financial Health Vital Signs
Hear about the Office of the Comptroller of the Currency’s work to support consumer financial health. Acting Comptroller Michael J. Hsu will discuss the OCC’s Financial Health: Vital Signs initiative, and why banks should pay attention to the financial health of their customers.
Our Changing Climate: Implications on Financial Health and Resiliency
As the frequency of natural disasters increases and the cost of living rises due to the changing climate, financially vulnerable people face an outsized impact on their finances. Join us to discuss how the climate crisis is negatively impacting financial health and actions we can take to promote financial resiliency.
Financial Health Frontiers: Reaching Across Ideologies and Industries for FinHealth
Promoting financial health for all requires collaborating across industries and ideologies. Hear from the Financial Health Frontiers Initiative’s visionary leaders about what it will take to align business, policy, and advocacy around financial health.
How Advances in Technology Can Lead to Financial Health for All
Celia Edwards Karam, President of Retail Bank at Capital One, shares how the intersection of financial health and AI shows up in banking and payments, what she's learned about developing a strategy for true financial health impact, and how corporations can rethink their approach to AI and financial health to succeed in a changing marketplace.
Rewiring Our System for Financial Health
EMERGE Financial Health is the beginning of a new era in financial health. Join us for a provocative closing discussion about the actionable ways leaders can work across sectors to rewire our system to help everyone thrive financially.
AI Unlocked: Shaping the Future of Financial Health
Learn from seasoned AI innovators about balancing the very real challenges and opportunities AI offers to make financial health accessible to all.
Motherhood Under the Poverty Line: One Woman’s Story
Best-selling author Stephanie Land used to be one of the millions of Americans living under the poverty line. Join us for an intimate look through her eyes at navigating poverty as a single mother.
Breaking Barriers to Women’s Financial Health
An examination of the state of gender equity in financial health from leaders who’ve lived it and their thoughts on solutions that could help level the financial playing field between men and women.
Advancing Racial Equity: Strategies for Financial Inclusion
Learn about financial health solutions to address the deep racial wealth gap, from targeted financial health benefits and equitable lending practices to corporate and policy initiatives.
Closing Chicago’s Financial Health Divide
The inaugural Financial Health Pulse® Chicago Report revealed how the city’s legacy of racism is impacting financial outcomes across the community. Join local leaders for a discussion on the report’s findings and the future of financial health in Chicagoland.
Putting Financial Health at the Heart of Your Business
An intimate conversation about what it means to be a financial health business and steps that credit unions can take today to make the shift.
From Innovation To Impact: A Founder’s Story
Listen in as Wemimo Abbey, Co-Founder and Co-CEO of fintech unicorn Esusu, reflects on his entrepreneurial journey and his vision for a world where everyone can access safe, affordable housing.
Reflecting on 20 Years of Financial Health
As we celebrate 20 years of financial health, hear longtime champions across the movement reflect on our progress, the challenges that persist, and the opportunities that lie ahead.
Pre-Conference Session | FinX Workshop: Spend the Day in Your Customer’s Shoes
Put yourself in your customer’s shoes during FinX. This unique half-day experience will give you the opportunity to come face-to-face with common financial struggles and create solutions that build customer trust.