A Company Financial Wellness Program Your Employees Will Love, at No Cost to You, So Your Best People Stay.
A 100% done-for-you employee financial wellness program. You don't research the options, run the meetings, manage a vendor, or administer a plan. We handle all of it, at no direct cost to the company. You get back your time, lose the stress, add nothing to your risk, and keep the people you trained.
Inside the Program
No Direct CostMoney stress at home becomes turnover at work
Most companies offer a 401(k) and a health plan and call it done. Nobody teaches the team what to do with a paycheck. That gap shows up on your floor every day.
The issue isn't pay. It's what happens to the paycheck.
Distraction
An employee worried about a credit card bill is not fully at work — even when they're at work.
The Raise Chase
When the paycheck never gets ahead, a small raise across town looks like the only fix. You lose the people you trained.
Interest Drag
Mortgage, car, and card interest quietly eat the money that should be building their future.
Retirement Anxiety
Most employees have a 401(k) and no idea if it's enough. No one has ever shown them.
You can't fix this with another pizza party. You can fix it by handing your team a real plan — and letting someone else do the teaching.
Get a free report card on your 401(k): what it costs, who uses it, and where it could get you audited
Most owners have never seen their own 401(k) graded. We pull a plain-English report on your current plan. No cost, no obligation, and most owners learn something in the first five minutes.
Four things most owners have never seen about their own plan.
What It Costs
Your plan's fees compared with similar companies. Above-average fees come out of your employees' balances, and nobody sends you a bill for it.
Who Actually Uses It
How many of your people are in the plan. Half opted out is common, and it means the benefit you pay for isn't landing.
Filing Flags
Compliance flags sitting in your public filings that you may not know are there. The kind that commonly draw a Department of Labor inquiry.
Audit Exposure
Where your plan stands if a state or federal auditor looks, and what to fix first. Better you see it before they do.
A benchmark report on your plan, built from public filings, read to you in plain English.
Participants, assets, participation rate, employer contributions, and a single plan score. The same numbers an auditor would start with, before an auditor does.
Yours to keep, whether or not you ever run the program.
Then we take the work off your desk. The program, the meetings, the follow-up, and the options for your people — handled, with nothing new for you to administer.
Works for any team: crews, clinics, offices, and shops. Any shift. Any pay type.
The program doesn't care what your people do for a living. It cares that they get paid and nobody ever showed them what to do with it.
You keep your people. They keep more of their paycheck. Nobody pays for it.
Most benefits cost the company money and get ignored by the team. This one does the opposite.
The program stays with the employee. If they ever leave, the education and the tools go with them. That's the kind of benefit people remember — and tell their friends about.
We teach your team the three things their paycheck has to do: protect, grow, and last
Protect it. Grow it. Make it last. Most employees have never heard the question — let alone the answer. The program teaches all three.
Three honest questions for every employee
Everything starts here — find which job needs attention first, then use the tool built for that job.
Protect
Is their money shielded from market loss, high interest, and the unexpected?
DefenseGrow
Is their money working — or leaking out to interest and taxes that may be avoidable?
EfficiencyLast
Will their income live as long as they do — or is there a year where the math stops working?
LongevityEverything your team needs to get out of debt and retire. One program. Nothing for you to run.
Everything your team needs to get out of debt and build toward retirement — delivered by WealthGuard licensed professionals, not a stack of vendors.
Pillar 1: Get your employees out of debt years sooner
Before an employee's money can protect, grow, or last, it has to exist. For most households, the first leak is debt interest.
Interest payments quietly consume the surplus meant for the future.
The Money Max Account redirects interest strategically
Debt MethodThe Money Max Account uses a structured payoff method to redirect interest already being paid and retire debt years sooner. Employees see their own payoff timeline before they decide anything.
The Money Max Account is a program by United Financial Freedom (UFF), available through WealthGuard; Tom Ratigan is an authorized UFF representative. Educational only — not financial, tax, legal, or investment advice. Results and timing vary by individual circumstances.
Pillar 2: Help them build money they can use before retirement
For employees still in the building season, the goal is usable progress — without surrendering flexibility to taxes, market drops, or account lockup.
A wealth-building account inside a life insurance policy.
Its formal name is Indexed Universal Life. The name matters less than the work it can do when structured correctly.
Not a replacement for a 401(k)What it's built to help solve
Plain EnglishEducational only — not financial, tax, legal, or investment advice. Access is through policy loans and withdrawals; policy loans and withdrawals reduce cash value and the death benefit and may be taxable if the policy lapses or is surrendered. Product availability, terms, caps, and costs vary by carrier and policy.
Pillar 3: Income they cannot outlive
For employees closer to retirement, the math changes. They're no longer trying to get rich — they're trying to never start over.
Its formal name is a Fixed Indexed Annuity. It's built to help create protected, predictable retirement income when timing risk matters most.
What it's built to help do
Income PlanEducational only — not financial, tax, legal, or investment advice. Annuity guarantees, including income benefits and principal protection, are based on the claims-paying ability and financial strength of the issuing insurer. Product terms, rider availability, costs, and limitations vary by carrier and contract.
No direct cost to start. Options if you want to go further.
The program runs at no direct cost to the company. Some owners choose to contribute on their team's behalf. It's a win-win — but it's entirely up to you.
Offer the program. Cost to the company: none.
WealthGuard delivers the workshop, the private check-ups, and the one-on-one conversations. Employees choose what, if anything, they use. The company's only job is the invitation.
Option B: Contribute on your team's behalf
OptionalSome owners choose to fund part of the program for their people — as a hiring edge, a retention tool, or simply because it's the right thing to do. We walk you through what that can look like on the call.
Your part takes about an hour. Here is all of it.
Your part takes about an hour. WealthGuard does the rest.
Book a free 20-minute call
We learn about your team and walk you through the program and your options. No pitch, no obligation.
Host one team workshop
A plain-English lunch-and-learn, on site or on Zoom. We bring the rollout kit. You send the invite.
Employees take it from there
Each person gets a private check-up and, if they want it, a one-on-one conversation with a WealthGuard licensed professional. The company never sees their results.
Book the call. Keep your people.
Twenty minutes with WealthGuard is all it takes to see if this fits your company.
Book a Free Call →What your employees will tell you
Real Money Max Account members, in their own words — the same debt-elimination program your team gets.
In the past we had trouble keeping a budget. After signing up is was easy to track our payments and pay of our debt faster. It's been great for our family.
The program has literally saves us thousands of dollars. We use it for not only for our personal finances, but also for our business
This programs in phenomenal, without it I would be lost. I couldn't ask for better customer service. They always take the time to explain things.
The Money Max Account is a program by United Financial Freedom (UFF), available through WealthGuard; Tom Ratigan is an authorized UFF representative. The client testimonials shown are from Money Max Account members and reflect their individual experience. Educational only — not financial, tax, legal, or investment advice. Results and timing vary by individual circumstances.
The people who'll be in the room with your team
Tom Ratigan and the WealthGuard team help families, individuals, and the companies that employ them protect, grow, and keep what they've earned — through up markets, down markets, and everything in between. Licensed in Arizona, California, and Texas.
Book a Free Call →The First Call
20 MinutesWhat you can count on
A benefit should lower stress for you and your team, not add to it. So here's our promise.
Questions owners actually ask
What does this cost the company?
Is this a sales pitch to my employees?
Do employees have to buy anything?
Does this replace our 401(k) or health plan?
How much of my time does it take?
Will the company see employee results?
What size company is this built for?
Where is the program available?
Is there a contract?
Book your free 20-minute call
We learn about your team, walk you through the program, and answer every question. You decide if it fits. Nothing to buy, nothing to sign. Pick a time on the next page.
We talk about your team
Headcount, what you offer today, and what you want a benefit to do for you.
We walk through the program
The three pillars, the rollout, and your options — including the option to contribute, or not.
You decide
If it fits, we pick a workshop date. If not, you've lost 20 minutes and gained some clarity.
Start Your Company Financial Wellness Program
Debt elimination, wealth building, and retirement income planning — taught in plain English by WealthGuard licensed professionals.
Book a Free Call →