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There’s a firehose of money changing hands in America right now—$124 trillion worth. That’s not a typo. It’s the biggest transfer of wealth ever recorded in human history, and it’s happening right before our eyes. But here’s the real story: Most people have no idea what’s going on or how it impacts them.
Money is on the move—but because of widespread financial illiteracy, it’s moving away from the people who need it most… and into the hands of those who truly understand how the system works. The gap between those who know how to manage wealth and those who don’t is widening, and it’s leaving countless families and individuals behind.
This is where WealthWave comes in. We’re not just a financial service; we’re a movement aimed at empowering people with the knowledge and tools they need to take control of their financial futures. This is the business model built for this moment, designed to help individuals navigate this massive wealth transfer and ensure they’re positioned to thrive instead of getting left behind.
Over the next 20 years, Baby Boomers will pass down an astounding $124 trillion. This unprecedented wealth transfer will primarily benefit women and heirs—many of whom may not be fully prepared to manage such financial responsibility. The latest projections highlight the scale of this transfer:
“This isn’t just a wealth transfer—it’s a mindset shift,” explains Tom Mathews. “And without proper education, that money will move just as fast out of their hands.”
The stakes are high. Without the knowledge and tools to manage this influx of wealth, individuals risk losing opportunities to build lasting financial security. That’s where the WealthWave mission comes in. We don’t simply manage assets—we empower people with the education and skills they need to make informed financial decisions. We’re not just advisors; we’re financial educators. That’s our edge, and that’s the purpose that drives everything we do. This isn’t just about wealth; it’s about changing the way people think about money for generations to come.
While generational wealth is being handed down, another fortune is sitting in the dark, waiting to be reclaimed. Today, 29 million retirement accounts—worth a staggering combined total of $1.7 trillion—have been lost or abandoned. These are funds that belong to individuals, often the result of job changes, forgotten accounts, or lack of communication.
For many, this means tens of thousands of dollars per person, left floating in the system. Forgotten. Untapped. Unclaimed. That’s money that could be helping people retire comfortably, pay off debts, or invest in their future.
"Every time you help someone find a lost 401(k), you’re not just reclaiming money—you’re earning trust, opening doors, and building a future,” says Bill Mitchell.
With tools like the Department of Labor’s newly launched lost-account finder, MissingMoney.com, and the National Registry of Unclaimed Retirement Benefits, the resources to track these funds are readily available. What’s missing is awareness. Far too many people don’t know these tools exist or how to use them—and that’s where we come in.
By spreading the word and helping individuals locate and reclaim their lost retirement accounts, we’re empowering people to take control of their financial futures. This isn’t just about money; it’s about restoring security and unlocking opportunities that have been sitting dormant for years. There’s no better time to take action than now.
Ask most Americans what they fear most—and it’s not war, disease, or even death. It’s running out of money in retirement.
This fear is widespread and deeply rooted:
These statistics paint a sobering picture of financial insecurity in retirement. For many, this fear is real, quiet, and paralyzing, often preventing individuals from taking the steps necessary to better secure their future. But the good news is that this outcome is preventable with the right financial education, tools, and planning.
“When we help someone build a written plan—when we give them clarity—we’re not just improving their retirement. We’re giving them peace,” says Kim Scouller. By creating a roadmap tailored to their needs, individuals can reduce uncertainty and gain the confidence they need to enjoy their golden years without fear. Retirement security starts with a plan—and it’s never too late to create one.
Let’s talk about where people think their money is “safe.”
Today, nearly $11 trillion sits in passbook savings accounts earning just 0.45% interest. While this may feel secure, the reality is that it would take 160 years for that money to double at such a low rate of return.
At the same time, Americans are carrying record-high credit card debt, with interest rates exceeding 20% on average. This means that banks are doubling their money in just 3 to 4 years, thanks to these high rates.
The contrast is staggering—while people struggle to make ends meet and grow their savings, banks are profiting at an alarming rate. It’s time to rethink where your money goes and how it works for you.
Here’s the financial literacy gap in one snapshot:
Where the average American puts their money: Passbook at 0.45%
Where the banks earn their money: Credit Card at 20%+
One’s a crawl. The other’s a rocket ship.
Everyone knows one is higher. But only the financially literate truly understand what that means and why it matters. It’s not just about numbers—it’s about the difference between struggling to get by and building a secure future.
“That’s the cost of not knowing. That’s the trap most Americans live in,” says Tom Mathews, referring to the financial challenges many face simply because they lack the right knowledge.
“And that’s exactly what WealthWave is built to solve.” By providing tools, resources, and education, WealthWave is helping people break free from financial traps and take control of their future. It’s more than a solution—it’s a movement toward empowerment and financial freedom.
If you’re considering WealthWave as your next business opportunity, here’s what you need to know:
This isn’t just about financial services—it’s a mission to end financial illiteracy while empowering individuals and families to take control of their financial future. And yes, you can get paid to do it.
Why this moment is your opportunity:
This isn’t business as usual. This is business driven by urgency, purpose, and the desire to create meaningful change. WealthWave stands out as more than a career—it’s a chance to make a real difference in people’s lives. Are you ready to take that step?
1. Teach the Truth
We don’t just sell products—we educate and empower. Clients need to understand the financial landscape, so we expose the realities of the passbook trap, the hidden costs lurking in their financial choices, and the myths that hold families back from achieving financial freedom. By replacing fear and confusion with clear strategies and knowledge, we help them take control of their future.
2. Find the Forgotten
Everyone deserves to reclaim what’s rightfully theirs. By leveraging every tool at our disposal—such as the Department of Labor’s finder, unclaimed property registries, and other resources—we help clients recover forgotten or lost wealth. Whether it’s an old pension, unclaimed insurance benefits, or other assets, we ensure they rediscover the value they already own. This can be life-changing and is a level of value they’ll never forget.
3. Write the Plan
Retirement planning isn’t just about crunching numbers; it’s about creating peace of mind. It’s about building confidence that their hard-earned money will last through every stage of life. With a detailed, written roadmap tailored to their unique needs, we show clients how to make their money outlast them—using real strategies that adapt to life’s changes. Having a clear, actionable plan gives them the certainty to move forward without fear.
Because the timing has never been more right. The world is changing rapidly, and with it, new opportunities are emerging. Because the problem has never been more urgent. Families and individuals everywhere need guidance to build and protect their financial future. Because the business has never been more scalable. With tools, technology, and systems in place, the ability to grow and reach more people has never been greater.
“This is the moment WealthWave was born for,” says Tom Mathews. “If you ever wondered when to start, this is it. The perfect combination of timing, need, and opportunity is right in front of you.”
You have a chance—right now—to stand in the middle of the biggest wealth shift the world has ever seen. This isn’t just about creating a career; it’s about building a mission and leaving a lasting legacy. You can empower people by helping them take control of their financial lives, while also creating meaningful impact for generations to come. The time to act is now—don’t let it pass you by.
If you believe people deserve to know how money works—this is your calling. Financial literacy is a powerful tool that can change lives, and you can be the one to make that change happen. If you believe fear and confusion about money should be replaced with confidence and knowledge—this is your platform to make a real difference. If you want to build a business with real purpose, one that empowers others and creates lasting impact—this is your time.
Money is on the move. The financial world is evolving rapidly, bringing new challenges and opportunities every day. You can move with it, adapting to the changes as they come. Or you can lead it, becoming a trusted guide for others and shaping the future of financial education.
Lead with WealthWave. The moment is now. Join a movement that’s redefining how people think about and manage their money. Together, we can build a better financial future for everyone.
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