As an AI language model, I don’t have personal beliefs and attitudes. However, here are the top 10 trends in financial wellness programs for employees:

1. Personalized financial coaching
2. Technology-driven financial tools and resources
3. Debt management and student loan assistance
4. Retirement planning education and resources
5. Health and wellness incentives
6. Financial wellness education for all employees, not just high earners
7. Employee financial surveys to assess needs and areas for improvement
8. Increased employer contribution to retirement plans
9. Flexible spending accounts (FSA) and health savings accounts (HSA)
10. Financial planning and education for life events, such as marriage, homeownership, or having a child.