Partners

98.8

Client Retention Rate

153

Exchanged Value

35000

Active Users

8

Wks

Typical Deployment

The Advisory Opportunity

Most brokers shop the same carrier panels. PTO Exchange partners don't.

In a market where every broker competes on carrier access and renewal pricing, PTO Exchange creates an entirely different axis of competition:

Strategic financial innovation. Your clients are sitting on a growing balance sheet liability they have no structured plan to address. You now have the answer, and no other broker is bringing it to them.

This isn't a vendor recommendation. It's a new category introduction. The clients who hear about it say the same thing: "I've never heard of this, how did you find it?" That is the advisory relationship deepening in real time.

Trusted by Leading Organizations

What PTO Exchange Solves

For Your Clients (Employers)

PTO is the only benefit that accrues as a growing balance sheet liability compounding with every salary increase. PTO Exchange reduces that liability at zero net cost, funded entirely by a 7.5% IRS-compliant employee service charge.

For Employees

63% of Americans live paycheck to paycheck while carrying ~$3,400 in unused earned PTO. Employees convert that value into retirement savings, emergency cash, HSA funding, student loan payments, leave sharing, or charitable giving.

The easiest recommendation to make

One benefit. Five generations. Every financial need, all from earned PTO.

63% of Americans live paycheck to paycheck — yet the average employee carries ~$3,400 in unused PTO they can't access. PTO Exchange gives every employee a personalized path to financial wellness using value they already earned, with no new debt and no new employer cost. The benefit story that wins employee hearts and makes the CFO's decision easy.
Employees direct earned PTO value into: retirement (401k/403b), emergency cash, HSA contributions, student loan payments, leave sharing with colleagues, and charitable workplace giving.

For HR & Benefits Leaders

The differentiated, career-defining benefit that makes a Total Rewards package stand out, and gives employees a personalized reason to stay. 90% of employees say they would remain with an employer that offered this type of benefit.

For Finance Leaders

A structured, audit-ready solution to reduce accrued PTO liability at a discount and at no net cost to the company. Funded through the IRS-compliant service charge. No new budget line. for measurable balance sheet impact.

For Every Employee

A debt-free path to financial wellness using value employees have already earned. Whether it's used for retirement savings, an unexpected expense, student loan payments, or leave sharing for a colleague in need, the choice is there.