The current employer-sponsored retirement savings plans are in desperate need of innovation: 401Ks aren’t cutting it, pension plans are nearly extinct, and a large portion of our workforce isn’t even eligible for such benefits. Even those who do have a savings plan will have to pay high penalty fees to withdraw them when they inevitably change jobs (a huge contributing factor to the one trillion of unclaimed dollars that are trapped in old 401K accounts). Further, many Americans are locked out of 401K eligibility including gig workers, part time workers, and typically excluded industries like retail and restaurants. That’s why I wanted to speak Laurie Rowley, a financial services industry vet who’s the founder and CEO of Icon Savings Plan, which calls itself the first portable savings provider. I talk to Laurie about why retirement savings are so critical to society, and why the industry is ripe for disruption.