403(b) Employee Education

Empowering the People Behind Your Mission

Your retirement plan is in place. But do your employees know how to use it? Finial Retirement Consulting bridges the gap between your plan administrator and your people — through education, clarity, and ongoing support.

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Team meeting
403(b)
Most nonprofit employees have one. Few truly understand it.
$5K+
Left on the table by employees who under-enroll
1 in 3
New hires never enroll in their retirement benefit
HR professional reviewing documents
The Gap

The plan exists. The understanding doesn't.

Most organizations have a 403(b) in place. What they don't have is a clear path from enrollment to engagement. Employees are left to navigate a system they were never taught to use.

HR Teams Are Stretched

Benefits administration is one task among hundreds. There's no time to educate every employee on how their retirement plan works.

Plan Documents Go Unread

Lengthy, technical plan documents are handed off at onboarding and rarely revisited — leaving participants in the dark.

New Hires Miss the Window

Without structured onboarding, new employees miss enrollment periods and delay participation by months or years.

No Ongoing Engagement

Once enrolled, employees rarely revisit their elections. Life changes — and contribution rates and beneficiaries don't update themselves.

Carriers & Providers We Have Worked With
AIG | VALIC
Ameritas Life Partners
Aspire Financial Services
Brighthouse Financial
Corebridge Financial
Empower
Equitable (AXA)
Fidelity Investments
Forethought Life Insurance
Great-West Financial
Guardian Life Insurance
Horace Mann
ING Life Insurance
Integrity Life Insurance
Jefferson National Life
Lincoln Financial Group
Massachusetts Mutual Life
Midland National Life
Minnesota Life Insurance
National Life Group
Nationwide
New York Life Insurance & Annuity Corp.
Northwestern Mutual
Ohio National Financial
Pacific Life Insurance
Pension Fund (Church of God)
Principal Financial Group
Protective Life Insurance
Prudential Insurance
ReliaStar Life Insurance
Securian Financial
Security Benefit Group
Standard Insurance Company
Sun Life Insurance
TIAA
Transamerica
Unum Life Insurance
USAA
Voya Financial
Western & Southern Life
Western National Life
AIG | VALIC
Ameritas Life Partners
Aspire Financial Services
Brighthouse Financial
Corebridge Financial
Empower
Equitable (AXA)
Fidelity Investments
Forethought Life Insurance
Great-West Financial
Guardian Life Insurance
Horace Mann
ING Life Insurance
Integrity Life Insurance
Jefferson National Life
Lincoln Financial Group
Massachusetts Mutual Life
Midland National Life
Minnesota Life Insurance
National Life Group
Nationwide
New York Life Insurance & Annuity Corp.
Northwestern Mutual
Ohio National Financial
Pacific Life Insurance
Pension Fund (Church of God)
Principal Financial Group
Protective Life Insurance
Prudential Insurance
ReliaStar Life Insurance
Securian Financial
Security Benefit Group
Standard Insurance Company
Sun Life Insurance
TIAA
Transamerica
Unum Life Insurance
USAA
Voya Financial
Western & Southern Life
Western National Life
What We Offer

Retirement education that actually works

Every service is designed to close the gap between your plan and your participants — clearly, practically, and without bias.

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Retirement Readiness Workshop

A 90-minute group session that walks your employees through how their 403(b) actually works — contribution rates, investment options, employer match, and planning for retirement.

Available on-site or virtually
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New Hire Benefits Onboarding

A structured onboarding session that ensures new employees enroll and engage from day one — rather than leaving them to figure it out alone.

Delivered virtually or in person
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Quarterly Engagement Plan

One session per quarter throughout the year. Topics rotate through plan transactions, investment providers, advisor selection, and retirement readiness — plus a customized newsletter.

Annual retainer — $1,000/year
Who We Serve

Built for mission-driven organizations

We specialize in serving organizations where the work is meaningful and the people deserve to retire with dignity.

Nonprofit organization Nonprofits

Nonprofit Organizations

From human services to arts and culture, nonprofits rely on 403(b) plans to attract and retain mission-driven staff. We help your team understand and maximize that benefit.

Independent school Schools

Independent Schools

Educators give so much. We make sure they understand the retirement benefits they've earned and how to make the most of them throughout their career.

Faith community Faith Communities

Faith Communities

Churches, synagogues, and religious organizations serve others daily. We serve their staff — bringing clarity to retirement planning that reflects their values.

Why Finial

Experience from inside the system.

Finial Retirement Consulting was built by someone who spent years working at the compliance level of retirement plan administration — not selling products, but understanding how plans actually work.

"Most employees have a 403(b). Very few understand it. That's not their fault — nobody ever explained it to them. That's exactly what we do."

Michael J. Gray, II — Founder, Finial Retirement Consulting
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Deep plan administration experience

Years of processing participant transactions and managing compliance gives us insight that generic presenters don't have.

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Built on participant support

We spent years staffing the support lines where employees called with real questions about their retirement plans. We know what confuses people.

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Client relations focus

As a former Client Relations Manager, we understand what plan sponsors need — and how to communicate clearly on both sides of the table.

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Specialized in mission-driven sectors

We focus exclusively on nonprofits, independent schools, and faith communities — organizations where this work means something.

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Completely independent — no carrier ties

We are not affiliated with or compensated by any investment provider, carrier, or financial product. Our only interest is your employees' understanding.

Clarity & Scope

What Finial Retirement Consulting is not

We are a retirement education and participant engagement firm. To protect you and serve you well, we want to be clear about what falls outside our scope.

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Financial Advisors

We do not manage assets, recommend specific investments, or provide individualized investment advice. For investment guidance, you need a licensed financial advisor.

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Tax Professionals

We do not prepare tax returns, provide tax guidance, or advise on tax strategy. For tax matters, you need a licensed CPA or enrolled agent.

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Accountants

We do not perform audits, bookkeeping, or financial reporting of any kind. For accounting needs, you need a licensed accounting professional.

Finial works best alongside your existing advisors — we handle the education gap so they can stay focused on what they do best.

Ready to close the education gap?

Schedule a free 20-minute discovery call. We'll learn about your organization and show you exactly what a session looks like.

Schedule a Free Consultation
Contact Us

Let's talk about your team

Fill out the form and we'll be in touch within one business day to schedule your free discovery call.

email michael@finialandco.com
language finialandco.com
schedule Available by appointment