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We help our clients make intentional financial decisions that improve their relationship with money and the people closest to them.  Through our Financial Care Plan, we increase the likelihood of our clients achieving successful financial outcomes through the application of biblical wisdom and technical expertise to each client's unique financial situation, reducing the conflict, fear and anxiety that comes from uncertainty so our clients can worry less and have the freedom to live more.

 

RETIREMENT PLAN SERVICES

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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FINANCIAL CARE PLAN

We help individuals and families navigate complex financial topics by applying biblical wisdom and technical expertise to their unique situation.  This service is available as part of our employer retirement plan services and also to individuals and families.

COLLEGE PLANNING

Choosing a college is one of the most important decisions for high school students.  The impact that student debt has on young Americans can't be understated, yet many go through the process on their own.  We help families find the schools that will provide robust financial aid and work with them throughout the application process to set students up for financial success when they graduate.

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WHY CHOOSE US?

COMPLETELY INDEPENDENT

As an independent registered investment adviser, Transform Retirement is not hamstrung by home office requirements to use proprietary investments or a short list of service providers.  We truly put your needs first.

PAY FOR TIME AND EXPERTISE, NOT YOUR WEALTH

At Transform Retirement, our fees are transparent and reasonable.  You will pay either fixed fees or hourly fees.  This is a huge difference from other similar firms who charge fees as a percentage of your assets or receive commissions.

BIBLICAL WORLDVIEW

We incorporate timeless Christian wisdom, stewardship and values into every aspect of our services and believe these are essential to achieving true financial freedom.

 
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ABOUT US

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.