Why do we think of retirement in terms of financial independence?

Why do some cultures seem to have no problem with retirement while others see a lack of retirement savings as a crisis?

These are some of the questions that led me to create Transform Retirement.  Too many households have been convinced that the only way to retire is to become financially independent, which is unattainable for most Americans.  A 401(k) balance alone doesn’t tell the whole story though.  There is a better way.   A way that helps employees no matter what their current financial condition looks like.  A way that recognizes individual circumstances.   

We help employers create financial wellness initiatives for their employees that incorporate qualified plans as a piece in the puzzle while also recognizing there are other important components.  We help employees and their families make intentional financial decisions that improve their relationship with money and the people closest to them.  Through individualized consultations with each family, we can increase the likelihood of achieving successful financial outcomes through the application of biblical wisdom and technical expertise to each employee’s unique financial situation, reducing the conflict, fear, and anxiety that comes from uncertainty so they can worry less and have the freedom to live more.  



We offer a wide range of transformative services to help companies manage their retirement plan in a way that optimizes their time and participant outcomes.

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We help individuals and families navigate complex financial topics by applying biblical wisdom and technical expertise to their unique situation.



Transform Retirement's founder, Mark Nicholas, has been serving retirement plan sponsors and individual savers for over two decades.  Prior to starting Transform Retirement in 2021, he served as President and Chief Compliance Officer for PAi Trust Company, where he was responsible for administrative compliance for roughly 17,000 qualified plans with over $7 billion in collective assets and oversaw the investment management process for about 2,500 plans with over $1 billion in assets under management.  

Mark is actively involved in several industry groups.  He is a member of the American Society of Pension Professionals & Actuaries and holds several credentials including Certified Pension Consultant, Qualified Pension Administrator, and Qualified 401(k) Administrator.  Mark leads a national retirement services peer group for the Fiduciary & Investment Risk Management Association and is also an active member in the National Association of Plan Advisors and National Society of Compliance Professionals.

Mark lives in De Pere, WI with his wife and two children.  He actively volunteers in the community and can often be found serving at Cup O' Joy.  He is also board member for Junior Achievement of Greater Green Bay and a 2013 graduate of Leadership Green Bay.