Retirement
Wellness.
Reimagined.
ParticipantOS by Freedom Fiduciaries turns your 401(k) into a complete financial wellness hub — personalized enrollment guides, AI assistance, education, estate planning, and more.
30+
Languages Supported
7
Step Enrollment Guide
50+
Education Modules
app.freedomfiduciaries.com/plan/
Employer Match
50% up to 6% of pay
Risk Score
Moderate
Estate Plan
Active
Education
50+ modules
Enrollment
Guided
Kaleó AI Assistant
"To maximize your retirement savings, contribute at least 6% of your pay and capture your full employer match — one of the most powerful benefits in your plan."
30+
Languages Supported
7
Step Enrollment Guide
50+
Education Modules
24/7
AI Assistant Access
Everything employees need.
All in one place.
ParticipantOS is more than a retirement portal — it's a complete financial wellness ecosystem built for today's workforce.
Retirement Plan Portal
Employees get a personalized portal with their plan's match formula, contribution options, vesting schedule, eligibility rules, and enrollment guides — all in plain language.
A 7-step guided journey
for every new employee
No more confusing paperwork. Employees walk through a personalized, interactive enrollment experience — in their language.
Select Their Language
Available in 30+ languages. Kaleó AI translates the entire enrollment experience on demand.
Meet Their Advisor
Step 1 introduces the plan advisor with contact info, calendar booking, and a welcome video.
Learn Plan Basics
Match formula, vesting, eligibility, Roth options — explained clearly with real plan data.
Use the Contribution Calculator
See exactly how much to contribute to maximize the employer match, with IRS limit guidance.
Explore Investment Options
QDIA education, fund types explained, plan default investment highlighted.
Enroll with Confidence
Step-by-step recordkeeper instructions with direct links and phone numbers.
Ask Kaleó Anything
AI assistant answers lingering questions, then guides them to create a full ParticipantOS account.
Powerful tools for employers.
Zero extra work.
Set up once, run automatically. Freedom Fiduciaries configures and manages your company's portal so you can focus on running your business.
Custom Plan Portal
Each company gets a branded public portal with their logo, plan details, recordkeeper info, and enrollment guide.
Participant Engagement Tracking
Committee dashboards show who's logging in, completing education, taking the risk quiz, and engaging with the platform.
Participant Management
Invite participants, manage roles, track activity, send targeted communications, and export reports.
Financial Wellness Programs
Toggle on/off estate planning, financial planning portal, emergency savings education, and custom wellness programs per company.
Fiduciary Training
Interactive fiduciary training courses with certificates of completion — satisfy your committee education requirements.
Mobile-Friendly
Everything works beautifully on phone, tablet, or desktop. Employees access their portal from any device.
Your Plan Sponsor Dashboard
See exactly how your employees are engaging with their retirement benefits — track participation, monitor activity, send announcements, and stay on top of your fiduciary responsibilities with ease.
- Employee participation & activity tracking
- Engagement analytics & utilization reports
- Send targeted announcements to your team
- Fiduciary training & compliance certificates
- Document library for plan resources
- Support request visibility & resolution
Built for every employee.
The entire enrollment experience — including all plan details, the Kaleó AI assistant, and educational content — is available in 30+ languages with one click.
Every participant deserves to retire with confidence.
Freedom Fiduciaries was founded on a simple belief: that retirement plan access shouldn't be confusing, impersonal, or inaccessible. ParticipantOS is how we live that mission — every day, for every participant.
Freedom Fiduciaries LLC
SEC Registered Investment Advisor
Fiduciary standard — we always act in your participants' best interest.
Enterprise-grade security — SOC2-aligned, encrypted at rest and in transit.
Certified fiduciary training for committee members included.
White-glove onboarding and ongoing dedicated advisor support.
Ready to transform your
retirement program?
Access your ParticipantOS portal today — or contact the Freedom Fiduciaries team to learn how we can help your organization.