Our parents retired at 65 and lived maybe 12 years. Retire at 65 today and you could easily reach 95. Almost nobody has been taught how to make money last that long.
Retireology brings a four-hour financial wellness education workshop into your workplace, taught live by a licensed professional in plain English. Free to the company. No sales. Ever.
Curriculum by Peter Montoya Inc. Delivered by licensed professionals in workplaces across the country.
Most financial companies get into your workplace by selling. We get in by teaching. Retireology financial wellness education rests on four commitments, and the fourth is the reason the other three hold.
Free to the company. You provide the room and promote the event to your people. That is the entire expense.
No products. No insurance. No investments. No sign-up sheet. Nobody working the room on the way out.
One-on-one, confidential, optional, and only for the people who ask for it.
A few employees eventually ask the facilitator to become their planner. That is the only way anyone is ever paid, and only with the people who choose it.
Gen X is your management layer, ten to twenty years out, with the least runway left to fix anything. And the 52% is the expensive one: pulling from a retirement account early costs the balance, every year of growth it would have produced, plus a penalty and a tax bill. Most people don't know that when they fill out the form.
These aren't questions we invented. When 401(k) participants nationally are asked what they most want help with, these are the top three answers. Workplace financial education works when it starts where people actually are.
How much someone actually needs to be putting away to reach their goal. Not a rule of thumb. Not a percentage they heard once. Their number.
The earliest age they can realistically stop working, and what has to be true for that date to hold.
How to position a 401(k), 403(b), IRA, and Roth IRA for where someone is now and where they're headed.
Charles Schwab 401(k) Participant Survey.
Not one of those is answerable by an enrollment portal, a benefits app, or a fund fact sheet. They are the questions people ask a person. The workshop answers all three, plus Social Security timing, Medicare, retirement taxes, healthcare, and long-term care. Plain English, taught live, with a workbook they keep.
See the Full Curriculum95% of employers now say they feel a sense of responsibility for their employees' financial wellness, and worker demand for financial guidance roughly doubled in 2025. Leadership already expects you to act. The only real question is whether you answer it with an app or with an expert.
Bank of America Workplace Benefits Report.
Visible, popular with employees, and it costs you nothing. Something concrete to point to at review time.
Most of what HR delivers is a rule. This is a gift, and employees thank you for it.
The 401(k) and retirement questions you can't answer finally have somewhere to go.
84% of employers say financial wellness tools help retention. Educated employees also participate and defer more.
We bring the facilitator, the curriculum, the workbooks, and the invitation copy. You book a room.
You and your spouse are welcome at everything we offer your employees.
Make the case for corporate financial wellness with these four numbers.
Employees who cannot afford to retire stay years past the point they wanted to leave. Older, higher-salaried, higher on the health plan, and sitting in a seat the person below them was ready for two years ago. Every one of those years is a real number on your payroll. Helping your people retire on schedule is a workforce cost you can do something about.
Download the One-Pager for LeadershipEvery attendee is offered a private, one-on-one session with the licensed professional who taught the workshop. It's confidential, it's optional, and it's provided at no cost by that professional through their own firm.
It exists because the workshop answers the questions everyone in the room shares...and there is always a set of questions that are only yours.
A look at how their retirement accounts are actually set up.
What their goal requires them to be putting away.
What their numbers say about their timeline.
Only 27% of employees feel confident making their own 401(k) decisions. That figure nearly doubles the moment a professional is involved. The workshop closes the knowledge gap for the whole room at once. The Review closes the confidence gap one person at a time.
No employee is required to take one. Nothing discussed is ever shared with the employer.
Charles Schwab 401(k) Participant Survey.
Every slide, workbook, and handout is built to recognized educational standards and reviewed for compliance before it is ever delivered. Nothing reaches your people that has not been through that process.
Nothing an employee shares in a session or a one-on-one is disclosed to the employer or to anyone else. Their information is never shared, never sold, and never used for anything other than helping them. Ever.
We have no funds, no insurance, and no platform to steer anyone toward. That is what lets us fully support the plan you already offer instead of competing with it.
Everyone in your retirement benefits chain is doing their job well. The problem is that nobody's job is the employee.
Plan design, recordkeeper selection, fee benchmarking, the 5500, nondiscrimination testing. They advise the company about the plan, and they are the reason your plan is any good. But a well-designed plan and an employee who knows how to use it are two different outcomes, and only one is in their scope.
HR knows the match, the vesting schedule, the portal, and the window. What HR cannot do is answer "which funds should I be in." Not because they don't know, but because they are not licensed to answer it and counsel has told them not to try. So the question gets deflected and the employee guesses.
Most of an employee's retirement happens outside the plan. Social Security claiming. Medicare windows and what a missed one costs for life. How accounts are taxed on the way out. A spouse's accounts. Long-term care. A bad market in the first five years of withdrawals. None of it lives in the 401(k), so none of it is anyone's job.
That is the seat Retireology fills. We are independent of your plan, we have nothing to sell, and the person at the front of the room is licensed to handle the questions your HR team has to decline. We don't replace your benefits consultant or compete with your recordkeeper. We make both look better.
| Retireology | HR Management | Benefits Consultant | 401(k) Provider | |
|---|---|---|---|---|
| Designs and benchmarks the plan | ● | |||
| Explains your plan and runs enrollment | ● | ● | ||
| Licensed professional for individual questions | ● | limited | ||
| Social Security claiming strategy | ● | |||
| Medicare enrollment, timing, and costs | ● | |||
| Retirement tax strategy | ● | |||
| Healthcare and long-term care planning | ● | |||
| Live instruction with a workbook | ● | |||
| Independent of any product or fund family | ● | |||
| Cost to the company | Free |
“Free” makes people suspicious, and it should. So here is a complete and honest accounting of everything this costs your company.
We write the copy and design the flyer, finished. You send them under your own name, because an invitation from HR fills a room. Your cost is the printing and the send.
A conference room, a training room, a cafeteria after lunch. Or your own conference service if you'd rather run it remotely. Whatever you already have.
No licensing fee. No per-employee charge. No materials invoice. No minimum headcount. Nothing due before, during, or after.
Live in your meeting space. The facilitator travels to you and teaches to the group in front of them.
Delivered over your own conference calling service, so remote and multi-site employees attend on the platform they already use.
Live in the room and broadcast at once, produced by your in-house media team. On-site and remote get the same session together.
We ask about your group, your plan, and the questions your people keep bringing you. Fifteen minutes, no presentation. If we are not right for your group, we will tell you on that call.
You'll meet your facilitator and they'll ask a bunch of questions to understand your people and their issues. We'll tailor the session for you, and figure out the who, what, where, and when of the event.
Four hours, your format, our facilitator, our materials. A printed workbook for every attendee.
If we are not right for your group, we will tell you on the call.
Or call us directly at (949) 334-7070