Terms of enrollment · Updated October 6, 2026

Terms of enrollment

The Retirement Decision Lab is a live education program run by Sovereo LLC (Sovereo Intelligence Research). By enrolling, you agree to these terms.

What you get

Four live 90-minute working sessions on Zoom, recordings of each session, worksheets for your own numbers, your personal Retirement Decision Brief, three months of the Sovereo Brief, and a free seat in a future cohort. The first 20 people to enroll in a cohort, in order of payment, also get a private 30-minute Decision Review with Todd Allyn.

Payment

Enrollment is $297 in US dollars, paid once through Stripe. There is no subscription and no further charge for the cohort you join.

No refunds, and moving your seat

All enrollments are final and there are no refunds. If you cannot attend your cohort, your seat moves to the next cohort at no additional cost. To move it, reply to any Lab email or write to [email protected].

If Sovereo cancels a cohort before it starts, you get a full refund. If a single session has to be rescheduled, you get the new time and the recording.

Recordings and materials

Recordings, worksheets and other Lab materials are for your own use. Please do not share or resell them. Sessions are recorded; if you prefer not to appear, you can keep your camera off and use the chat.

What the Lab is not

The Lab teaches a method for making retirement decisions with your own numbers. Todd Allyn is an educator, not a financial advisor. The Lab does not recommend investments, products, providers, states or countries, does not manage money, and does not provide tax, legal, immigration or financial planning advice. Every decision you make, and its outcome, is yours. For advice on your specific situation, consult a licensed professional.

Privacy

We use your name and email to run the Lab and to email you about it. See the privacy policy.

Contact

Questions about these terms: [email protected].

The Retirement Decision Lab · A program of Sovereo Intelligence Research