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Dear America, pop quiz!-
Who taught you how to retire?
a. A nice guy in HR who will give me a lowdown when I also get my gold watch.
b. The Medicare lady at the desk outside the pharmacy at the drug store.
c. Financial guys at the 5 different steak dinner seminars I have attended?
d. No one - I'm kind of figuring it out on my own- (Can't be that hard, right???)
Retirement Therapist
"How come NO ONE has ever told me this before"
-The most common response at the conclusion of a "Retirement Therapist" education event.
We have been way to casual about our Laissez-faire approach to retirement for our aging Americans. I am a psychotherapist focused on how retirement impacts us, and after having done over hundred seminars to tens of thousands of attendees, the most common response I hear is :
"How come no one has ever told me this before?"...
Seriously? The final Trimester of our lives and we are just "winging it"? We will just figure out what RMD, IRMAA, ROTH IRA, LTC, and dozens of other terms and acronyms even mean, and how they can all impact each other... and just wing it?--and What about all the relationship dynamics- adjusting to not working, and being around your partner ALL THE TIME, or for some of us...
being alone for the first time...
NOT ANYMORE.
Unlock Key Knowledge
The Essential Guide:
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People who attend our educational seminars are better prepared for retirement!
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Our seminars are content rich yet entertaining, empowering, and encourage attendees to take steps to reclaim their retirement!
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Schedule a event for your employees or community by contacting us at the link below!
Meet the Founder
Michael Lucas is the foremost authority on the connection between retirement, mental well being, and financial health! His seminars have received RAVE REVIEWS and are a must for every HR to incorporate into a wellness plan for employees!
Michael is a Mental Health Researcher and Clinical Psychotherapist, is passionate about helping individuals navigate life's challenges as they prepare for the 3rd trimester of their lives. . With a commitment to community well-being, Michael's team facilitates the seminars to ensure everyone has access to essential knowledge and support. You're in the right place, and we invite you to take the next step toward empowerment.
When you show up. When you leave.
The seminar that started it all:
A local college was looking to add instructors for their 55+ continuing education curriculum. I volunteered and never realized what would happen next. I had been teaching retirement tools for years prior, but in this community education event it all became clear that NO ONE was taking on the task to prepare our aging population in a deliberate holistic training. These were intelligent and high achieving individuals but so much was NEW to them. In addition, although the attendees were hungry for the information, they were also SCEPTICAL because by this stage in life and hesitant to take on further partnerships , even when offered at NO COST! It is easy to be jaded, question motives, and ultimately miss opportunities because you don't trust the intent of the provider of the information. In psychology it is referred to as:
SUGROPHOBIA. The fear of being misled or "ripped off.
And then we discovered the trick! Most trainings are offered by Financial Advisors or Agents that rank relatively low on the career trust scales- not too far from Politicians and Used Car salesmen. On the other hand Mental health practitioners are ranked much higher- closer to military and nurses when it comes to assumed trustworthiness. So now we can effectively train our RETIREES with a much greater level of acceptance and reception of the valuable information!
Retirement 101:
Most of us were never offered a class of Retirement 101 in College or High School. We have been required to simply figure it out on our own how all of the new elements of Retirement are supposed to work together. Elements like Medicare, Social Security, IRA's, 401k's, Advantage plans, long term aging care and all of the taxes - IRMAA, Capital Gains, Required Minimum Distributions, and how we can even now we have enough money saved to support our life and our lifestyle.
Retirement 201:
We also cover the psychology of retirement and aging- including mental health. Classes are offered that can be taught in multiple 1-2 hour sessions, and spread out over different dates.
These sessions can be completely customized and personalized in order to meet the needs of your employees or members of your community. Reach out to us directly and tell us how we can serve you!
About us
Unlocking potential and inspiring futures, one free seminar at a time.
Learn Grow
Wise Choices
Smart Steps
The Retirement Therapist is a for profit educational service that blossomed from our experience in the financial services and retirement planning world, ant then in the Non Profit world as educators and founders of ServeAnother.com. Serve Another is a nonprofit organization dedicated to eliminating financial illiteracy and fostering personal growth through free educational community workshops. Our goal is to provide valuable resources that empower individuals to make informed decisions about retirement, investments, and personal development.
With limited resources and in efforts to increase our reach, we established "Retirement Therapist" Seminars to connect with larger audiences and fund our continued efforts to community that may not be provided such resources through an engaged employer or their own research.
With increased demand and high quality content, we adapted our presentations to now provide high value educational content that is informative, motivational, and gives clear direction towards next steps.
In 2018 my wife ( who does professional retirement planning) and I were invited to join a Retirement Education seminar in central Florida held at a large 55+ community on behalf of a for profit retirement planning firm. The topics included strategies for social security, Medicare, and mitigation of taxes. These residents were well educated, successful, and many have been paying for professional money management for years. At the end of the seminar, we were VERY surprised as dozens of the attendees confessed with gratitude to us how so much of this information had never been explained to them previously! This hit us hard as we recognized how ill prepared most individuals are for retirement! Most don't understand:
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How the IRS taxes your retirement!
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How medical expenses of aging and long term care will likely be the largest expense of your life and what portion Medicare ACTUALLY COVERS
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How to roll over a 401k or IRA into a Roth IRA and eliminate future taxes!
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and much much more.
We felt this messaging important enough to share . Since 2018 we have taught over 10,000 individuals, tools and strategies for retirement at no cost and with no obligation. We have partnered with businesses and 55+ communities and business all over Florida, Texas, and the Carolinas to teach retirement 101.
And now in 2025, we expand our reach as I take on Professional speaking and educational roles and providing group sessions with the "Retirement Therapist"!
What Our Educators Do:
FINANCIAL EVENTS include information related to, but not limited to:
Retirement 101
Social Security 101
Tax strategy 101
Medicare 101
401k rollovers 101
Roth IRA Conversions 101
What a balanced portfolio looks like today.
WE also include presentations on
The psychology of retirement and more. See link for comprehensive list...
Testimonials
