Your Retirement Concierge™ | YWAIT Wealth Management
Introducing Your Retirement Concierge™

Your Employees Are Making Retirement Decisions Blind. We Fix That.

Your company offers benefits — maybe a 401(k), maybe a pension, maybe insurance coverage. But nobody is sitting down to educate your employees on how those benefits actually work with their personal accounts, or how to coordinate everything with their goals and aspirations. Flat retainer. Flexible cadence. No product agenda.

Book a Strategy Call → See Pricing
The Disconnect

Your Benefits Stop At Enrollment. Your Employees' Lives Don't.

Whether your company has a 401(k), a 403(b), a pension, a TSP, or a full benefits package — here's what happens: employees enroll, pick funds they don't fully understand, and never revisit it. Their old accounts from previous jobs sit scattered. Their life insurance doesn't transition with them when they retire. Their beneficiaries are outdated. Nobody is connecting any of it to their actual retirement goals and estate needs.

Your benefits provider administers the plan. We coordinate the person. One is hardware. The other is the human who makes it all work together.

What Your Benefits Provider Does
  • Fund menu & enrollment
  • Contribution processing
  • Periodic group education
  • Compliance & plan reporting
  • Plan-level administration
→
What Your Retirement Concierge™ Does
  • Private one-on-one coordination
  • Old 401(k)s, IRAs & pension strategy
  • Insurance portability & gap audit
  • Estate plan & beneficiary alignment
  • Social Security timing optimization
  • Budgeting & paycheck-to-paycheck coaching
  • For life — not just during enrollment
What This Is — And What It's Not

Coordination & Coaching. Not Investment Advice.

What This Is
  • One-on-one retirement & benefits coordination
  • Budgeting & paycheck coaching
  • Social Security & pension timing education
  • Insurance portability audit & gap analysis
  • Estate plan & beneficiary alignment
  • Year-round availability — not just enrollment
  • Quarterly outreach & re-engagement
What This Is Not
  • Not investment advice or securities management
  • Not a replacement for your 401(k) provider
  • Not a benefits broker or group insurance agent
  • Not ERISA fiduciary services
  • Not product sales during sessions
  • Not one-size-fits-all group education
The Cost You Don't See

Disconnected Employees Cost You More Than You Think

You invest in benefits to attract and keep good people. But when employees don't understand those benefits — when they're confused, under-enrolled, or stressed about money — that investment underperforms. Low 401(k) participation. Benefits that go unused. Financial stress that walks through the door every morning.

We've seen it firsthand: when employees get one-on-one coordination, they actually engage with their benefits. 401(k) participation goes up — not because we're selling the plan, but because they finally understand the value of what you already offer them.

78%
of employees say financial wellness benefits would keep them at their job longer
1 in 3
workers have left a 401(k) behind at a former employer — often losing track of it entirely
60%
of Americans live paycheck to paycheck — retirement feels impossible without guidance
How It Works

Your Retirement Concierge™ — The Missing Layer Between Benefits & Real Life

We embed inside your company on a flat retainer with the engagement cadence that fits your team — monthly, quarterly, or annually. Predictable cost. One dedicated professional who sits down with every employee — one-on-one — to coordinate their entire retirement picture. Current benefits, old accounts, insurance, estate plan, budget, goals. All of it. One plan.

And we're here year-round — not just during open enrollment. Life doesn't wait for the enrollment window. Employees lose a spouse, change jobs, have a baby, inherit money, get promoted, face unexpected medical bills. They need someone to call when life happens — not once a year during benefits season. That's the concierge difference.

1

Employer Partnership

We agree on the right tier and cadence for your company size. You introduce us internally — an email, a team meeting mention. We provide everything. Minimal HR lift.

2

Private Concierge Sessions

Employees book directly with us. One-on-one. Confidential. No cost to them. We map everything: your 401(k), old accounts, pension, insurance, estate plan, budget.

3

Coordinated Roadmap

Each employee leaves with a clear, written plan that connects every piece of their financial life. No jargon. No product pitch. Just clarity.

4

Ongoing Coordination & Outreach

Quarterly reminders keep employees engaged. We stay with them through job changes, life events, and retirement. They always have someone to call — year-round.

Investment

Flat Retainer. Flexible Cadence. No Product Agenda.

One flat fee covers every employee — no per-employee charges, no surprise invoices. Choose the engagement rhythm that matches how often your team needs us: monthly (embedded year-round), quarterly (four engagement windows per year), or annual (one comprehensive review). Same services. Different pace.

Starter
10–50 employees
$500/mo
Monthly engagement — you're embedded year-round
$6,000/yr · ~$120/employee/yr at 50 employees
  • Unlimited concierge sessions
  • Year-round employee access
  • Quarterly proactive outreach
  • Budgeting & paycheck coaching
  • Insurance portability audit
  • Estate plan & beneficiary coordination
  • Social Security & pension education
  • Executive & owner coordination
  • Annual HR benefits review
  • On-site day per quarter
  • Custom wellness reports

90-day pilot available

Growth
51–150 employees
$800/mo
Monthly engagement — you're embedded year-round
$9,600/yr · ~$64/employee/yr at 150 employees
  • Unlimited concierge sessions
  • Year-round employee access
  • Quarterly proactive outreach
  • Budgeting & paycheck coaching
  • Insurance portability audit
  • Estate plan & beneficiary coordination
  • Social Security & pension education
  • Executive & owner coordination
  • Annual HR benefits review
  • On-site day per quarter
  • Custom wellness reports

90-day pilot available

Enterprise
151–500+ employees
$1,200/mo
Monthly engagement — you're embedded year-round
$14,400/yr · ~$29/employee/yr at 500 employees
1,000+ employees? Let's talk custom pricing
  • Unlimited concierge sessions
  • Year-round employee access
  • Quarterly proactive outreach
  • Budgeting & paycheck coaching
  • Insurance portability audit
  • Estate plan & beneficiary coordination
  • Social Security & pension education
  • Executive & owner coordination
  • Annual HR benefits review
  • On-site day per quarter
  • Custom employee wellness reports

90-day pilot available

Starter
10–50 employees
$1,200/qtr
4 engagement windows per year
$4,800/yr · ~$96/employee/yr at 50 employees
  • Unlimited concierge sessions per quarter
  • 4 scheduled engagement windows
  • Quarterly proactive outreach
  • Budgeting & paycheck coaching
  • Insurance portability audit
  • Estate plan & beneficiary coordination
  • Social Security & pension education
  • Executive & owner coordination
  • Annual HR benefits review
  • On-site day per quarter
  • Custom wellness reports

90-day pilot available

Growth
51–150 employees
$2,000/qtr
4 engagement windows per year
$8,000/yr · ~$53/employee/yr at 150 employees
  • Unlimited concierge sessions per quarter
  • 4 scheduled engagement windows
  • Quarterly proactive outreach
  • Budgeting & paycheck coaching
  • Insurance portability audit
  • Estate plan & beneficiary coordination
  • Social Security & pension education
  • Executive & owner coordination
  • Annual HR benefits review
  • On-site day per quarter
  • Custom wellness reports

90-day pilot available

Enterprise
151–500+ employees
$3,500/qtr
4 engagement windows per year
$14,000/yr · ~$28/employee/yr at 500 employees
1,000+ employees? Let's talk custom pricing
  • Unlimited concierge sessions per quarter
  • 4 scheduled engagement windows
  • Quarterly proactive outreach
  • Budgeting & paycheck coaching
  • Insurance portability audit
  • Estate plan & beneficiary coordination
  • Social Security & pension education
  • Executive & owner coordination
  • Annual HR benefits review
  • On-site day per quarter
  • Custom employee wellness reports

90-day pilot available

Starter
10–50 employees
$1,500/yr
One comprehensive engagement per year
~$30–$150/employee/yr depending on team size
  • Full concierge sessions for all employees
  • One coordinated engagement window
  • Written retirement roadmap per employee
  • Budgeting & paycheck coaching
  • Insurance portability audit
  • Estate plan & beneficiary coordination
  • Social Security & pension education
  • Executive & owner coordination
  • Annual HR benefits review
  • On-site day per quarter
  • Custom wellness reports

90-day pilot available

Growth
51–150 employees
$2,500/yr
One comprehensive engagement per year
~$17–$49/employee/yr depending on team size
  • Full concierge sessions for all employees
  • One coordinated engagement window
  • Written retirement roadmap per employee
  • Budgeting & paycheck coaching
  • Insurance portability audit
  • Estate plan & beneficiary coordination
  • Social Security & pension education
  • Executive & owner coordination
  • Annual HR benefits review
  • On-site day per quarter
  • Custom wellness reports

90-day pilot available

Enterprise
151–500+ employees
$5,000/yr
One comprehensive engagement per year
~$10–$33/employee/yr depending on team size
1,000+ employees? Let's talk custom pricing
  • Full concierge sessions for all employees
  • One coordinated engagement window
  • Written retirement roadmap per employee
  • Budgeting & paycheck coaching
  • Insurance portability audit
  • Estate plan & beneficiary coordination
  • Social Security & pension education
  • Executive & owner coordination
  • Annual HR benefits review
  • On-site day per quarter
  • Custom employee wellness reports

90-day pilot available

Monthly — Your team has a dedicated retirement concierge embedded year-round. Best for companies with ongoing turnover, promotions, or employees who need continuous access.  |  Quarterly — Four engagement windows per year. Ideal for companies that want regular check-ins without the monthly commitment.  |  Annual — One comprehensive review each year. Perfect for smaller teams or companies that want an annual retirement tune-up for their workforce.
For Smaller Teams — 1 to 9 Employees
Same concierge coordination. Sized for the team that doesn't need the full-tier cadence yet.
Annual
$750/yr
One engagement per year
~$83–$750/employee/yr
Full concierge sessions for every employee. Written retirement roadmaps. Insurance & estate coordination.

90-day pilot available

Quarterly
$600/qtr
4 engagement windows per year
$2,400/yr
Quarterly sessions for every employee. Ongoing coordination, new hire onboarding, proactive outreach.

90-day pilot available

Monthly
$300/mo
Embedded year-round
$3,600/yr
Unlimited sessions. Year-round access. Quarterly outreach. Your team has a dedicated concierge on call.

90-day pilot available

As your team grows past 9 employees, you graduate seamlessly into the Starter tier — same cadence, no repricing penalty.

Month-to-month. No annual contract. Cancel anytime. Products (trusts, insurance, annuities) are separate — placed only when an employee asks for help. The retainer covers coordination and coaching.

Why Employers Partner With Us

You Invest In Benefits. We Make Sure They Actually Work.

Higher 401(k) Engagement

Our sessions naturally lead employees to value and participate more in the plan you already offer — because they finally understand it.

Employee Retention

When your people feel taken care of financially, they stay. This is the benefit your competitors aren't offering.

Predictable Investment

Flat retainer at the cadence you choose. No per-employee charges. No surprise invoices. You know exactly what this costs.

Minimal HR Lift

One internal introduction plus quarterly email reminders we write for you. We handle everything else — scheduling, sessions, follow-up, support.

Neutral — No Product Agenda

We don't work for your 401(k) provider. We don't push products during sessions. That neutrality is what makes the advice actually trusted.

Budgeting & Financial Coaching

For employees living paycheck to paycheck, we offer budgeting coaching — helping them build stability so retirement planning becomes possible.

How It Started

Two Years In The Public Sector. One Question That Changed Everything.

For two years, I worked inside the public sector — helping teachers, union workers, county and federal employees make sense of their retirements. These were people with great benefits: pensions, 403(b)s, TSPs, the works. But here's what I kept seeing: nobody was sitting down with them one-on-one to coordinate it all. Their pension rep talked about the pension. Their 403(b) provider talked about the 403(b). Nobody connected the dots — and nobody was neutral.

I became that person. The neutral adviser who didn't work for the district, the union, or the retirement provider. I worked for the person across the table. And it worked.

Then something unexpected happened. A professional I'd worked with years ago transitioned out of their industry and into a leadership role at a multi-generation family business — overseeing benefits for a large workforce. They reached out with a simple question:

You gave me clarity about my retirement when I had no idea what I was doing. Our people deserve the same thing. Can you do for them what you did for me?
— Former client, now a benefits leader at a multi-generational company

That question changed everything. The same neutral coordination model I'd been using with public sector employees — comprehensive, one-on-one, no vested interest — could be embedded inside any company and transform retirement outcomes for an entire workforce. No ads. No cold calls. Just trust, scaled through the right employer partnership.

What Your Employees Receive

Services Delivered By Your Retirement Concierge™

Every service below is included in the retainer — at no cost to your employees. Products are separate and only placed when an employee asks. The retainer covers coordination, coaching, and education.

  • Total Retirement CoordinationFull audit of current 401(k)/403(b)/TSP, old accounts, IRAs, pension credits, and savings — organized into one clear strategy.
  • Pension & Social Security OptimizationTiming, spousal coordination, and election guidance — especially critical for employees with legacy pension plans or nearing claiming age.
  • Insurance Portability AuditReview of existing life and disability coverage. Fill gaps with portable solutions that don't expire when they retire or change jobs.
  • Budgeting & Paycheck CoachingFor employees living paycheck to paycheck: practical budgeting strategies to build stability so retirement planning becomes possible.
  • Estate Plan IntegrationRevocable living trusts, beneficiary alignment across all accounts, and asset protection — attorney-drafted documents coordinated with their retirement strategy.
  • Executive & Owner CoordinationFor your leadership team: buy-sell funding, key person insurance, deferred comp integration, and advanced estate strategies.
Who This Is For

Every Company Has This Gap. The Smart Ones Fill It.

If you offer a 401(k), a 403(b), a pension, a SIMPLE IRA, or any combination of employee benefits — you have the same problem. Your people have access to great resources and nobody is helping them coordinate it all. Your Retirement Concierge™ fills that gap — whether you're a 5-person shop or a 5,000-employee enterprise.

And if you can't offer a retirement plan? Maybe a 401(k) wasn't designed for your company size. Maybe the cost doesn't pencil out yet. Maybe you're growing and benefits are still on the roadmap. You still have the same coordination problem — plus the access gap. Your employees don't just need someone to coordinate their scattered accounts; they need access to retirement strategies and protection they can't get through the company at all. Your Retirement Concierge™ fills both gaps — coordination and access — at a predictable retainer that works for your business.

Manufacturing & Warehousing Healthcare Practices & Systems Skilled Trades & Contractors Family-Owned & Multi-Gen Businesses Professional Services Firms Trucking & Logistics Technology & Startups Public Sector & Government Contractors
Getting Started

What A Concierge Launch Looks Like

1

Discovery Call

20 minutes. We learn about your team, your benefits package, and where your employees need the most support. No commitment.

2

Choose Your Tier & Cadence

We recommend the right tier and engagement rhythm based on your employee count and needs. 90-day pilot available — prove it works before you scale.

3

Internal Introduction

You introduce us with an email or team meeting mention. We provide the template. You get the credit. Minimal HR time.

4

Sessions Begin & Scale

Employees book directly with us. We handle everything — scheduling, follow-up, quarterly outreach. Your people always have a concierge to call.

Common Questions

FAQs From Business Owners & HR Leaders

We offer three engagement cadences — Monthly, Quarterly, and Annual — across four tiers (Micro, Starter, Growth, Enterprise). Monthly means we're embedded year-round with unlimited sessions ($300–$1,200/mo depending on tier). Quarterly means four engagement windows per year ($600–$3,500/qtr). Annual means one comprehensive review per year ($750–$5,000/yr). All are flat retainer — no per-employee fees. No annual contract — cancel anytime. Products (trusts, insurance, annuities) are completely separate and only placed when an employee asks for help. The retainer covers coordination and coaching.
We fill the gap neither of them covers. Your 401(k) provider administers the plan. Your benefits broker manages group policies. Neither sits down one-on-one with an employee to coordinate their old 401(k)s, their spouse's pension, their insurance portability, their Social Security timing, their budget, and their estate plan into one strategy. We complement both. And because we're neutral — we don't work for your plan provider — employees actually trust the advice.
Competitively. A typical 401(k) plan costs $45–$150 per employee per year in recordkeeping alone — and that doesn't include any one-on-one coordination. Our annual cadence starts at ~$30/employee for a 50-person company on the Starter tier and drops to ~$10/employee at Enterprise scale. Even our Monthly embedded cadence is ~$29/employee at 500 employees — less than most companies spend on coffee. We're priced to complement your existing benefits spend, not compete with it.
Yes — and it happens naturally. Our sessions aren't about selling your plan. But when an employee sits down and sees their full picture for the first time, they almost always recognize the value of the 401(k) you already offer. Many increase contributions. Some enroll for the first time. It's a side effect of clarity, not a sales push.
Yes. This is financial coaching, coordination, and education — not investment advice or securities management. We do not manage money, recommend securities, or act as an ERISA fiduciary. YWAIT Wealth Management is a licensed insurance and estate-planning coordination firm in almost all 50 states. All sessions are fully confidential. We share zero individual employee data with the employer.
Minimal. One internal introduction — an email or team meeting mention — and then reminders aligned to your cadence. We provide the copy. We handle all scheduling, sessions, follow-ups, and support. Your HR team's ongoing involvement depends on the cadence you choose: quarterly reminders for Quarterly plans, monthly for Monthly, annual for Annual.
The retainer still delivers value. We coordinate IRAs, savings strategies, insurance, estate planning, and budgeting for your employees. It's a way to offer professional retirement support as an employee benefit — even without a company plan. The Micro and Starter Annual tiers are especially popular for companies in this situation.
Absolutely. 90-day pilot at your chosen tier's monthly rate. If it works, we continue at your selected cadence. If it doesn't, we part ways — no penalty, no long-term commitment. You're never locked in.
No. The concierge sessions are pure coordination and coaching — no product pitches. If gaps surface during a session — no life insurance, outdated beneficiaries, no estate plan — we can help fill them, but only when the employee asks. The retainer covers the coordination. Products are separate and voluntary.
It depends on your team's size and needs. Small teams (1–9) often choose Annual or Quarterly — they don't need a monthly concierge but want professional retirement coordination. Mid-size companies (10–150) gravitate toward Quarterly — regular touchpoints without the monthly commitment. Larger organizations (151+) with ongoing turnover, new hires, and complex benefits often choose Monthly — they want a concierge embedded year-round. We'll help you pick the right fit on the discovery call.

Your Employees Deserve More Than A Paycheck.

Let's talk about bringing dedicated, retainer-based retirement coordination to your team — at the cadence that fits. No obligation. No pitch. Just a conversation about whether this fits.

Book a Strategy Call →