The economy is in turmoil. Federal workers are losing their jobs and their healthcare, thousands at a time. Unemployment benefits are backlogged, retirement savings are under attack, and the safety net that so many Americans thought they could rely on is unraveling before their eyes.
Yet, in the middle of this chaos, one thing remains true: most companies don’t actually care about the people they claim to serve.
For decades, the financial services industry has operated on a simple formula—find people who are desperate, confused, or overwhelmed and turn them into cash cows. Whether it’s predatory lenders, fee-hungry retirement advisors, or insurance companies that bury people in fine print, the goal is almost always the same: maximize profits first, worry about the consumer later.
But in 2025, when the average American is struggling more than ever, that mindset has to change. And we need more companies like RetireUS that actually put people first.
The Federal Layoff Disaster
The Trump administration’s mass layoffs have devastated the federal workforce, with thousands of workers losing their jobs and benefits overnight. Many had no idea what was coming. Others assumed they had time to plan. Instead, they got a pink slip and a massive financial crisis all at once.
One of the most brutal realities? Healthcare.
Retiring before age 65 means losing automatic Medicare eligibility. And for many federal employees who were forced out early, that has meant scrambling to find insurance, paying sky-high COBRA premiums, or going without coverage altogether—sometimes just weeks before a major surgery or life-saving treatment.
“The biggest financial risk most retirees face isn’t running out of money, it’s unexpected medical costs,” says Michael A. Scarpati, CEO of RetireUS. “Many federal employees don’t realize that retiring before age 65 means losing automatic healthcare coverage, leaving them vulnerable to massive out-of-pocket expenses.”
This is the reality of 2025. You can dedicate decades to your job, pay into a system, do everything right—and still end up financially ruined because of a layoff and a broken healthcare system.
Where’s the Help?
For the millions of Americans now facing uncertainty, real financial guidance is hard to find.
Yes, there are plenty of financial advisors, but many of them only care about high-net-worth clients—the kind who can afford a 1% management fee.
Yes, there are retirement services, but most are more interested in selling expensive annuities than actually helping people make smart financial decisions.
And yes, there are financial institutions that claim to care about consumers—until it’s time to choose between helping people and maximizing shareholder value. Spoiler: The shareholders always win.
This is why we need more companies that actually put people first.
Unlike traditional financial firms, RetireUS isn’t built around squeezing every last dollar out of confused consumers. Instead, the company is offering real, free resources for federal employees who have been blindsided by layoffs and benefit cuts.
They launched Government Transition Decision HQ, a free hub designed specifically to help federal employees navigate their forced retirements and job losses.
This includes:
- Webinars on navigating buyouts, TSP rollovers, and health insurance options.
- One-on-one transition reviews with independent financial professionals—not commission-hungry sales reps.
- A Federal Employee Transition Guide with clear, no-BS checklists for people who need answers now.
And here’s the kicker: They aren’t charging for it.
Because when the system fails people, the last thing they need is another company trying to profit off their misfortune.
The Bigger Picture
The fact that RetireUS is an outlier is the real problem.
Why aren’t more companies stepping up to actually help people who are facing financial ruin?
Why is most of the financial services industry still more interested in predatory fees than in helping middle-class Americans protect what little they have left?
And why, in 2025—a time of economic instability, mass layoffs, and skyrocketing costs—are so many businesses still operating as if the only thing that matters is their bottom line?
The truth is, the financial industry doesn’t serve the average person—it preys on them.
But it doesn’t have to be this way.
RetireUS is proving that you can build a business that actually helps people—one that prioritizes real solutions over quick profits. If more companies followed their lead, millions of Americans wouldn’t feel as lost, desperate, and alone as they do right now.
It’s Time to Demand More
We need more companies like RetireUS.
We need more financial services that actually serve people—not just the ultra-wealthy.
We need more businesses that offer real solutions instead of sales pitches.
Because in a world where federal workers are losing their jobs and healthcare overnight, where retirement plans are under attack, and where the average person is one bad break away from financial disaster, the last thing we need is another company trying to make a quick buck off of people’s fear and confusion.
We need real solutions. Real guidance. Real help.
And until the financial industry stops putting profits over people, we should be demanding it.
