Retirement planning firms live on long client relationships, but those relationships only pay off when clients stay engaged between review meetings. A loyalty or preferred-client program gives them a reason to stay close. The catch is enrollment: it rarely happens on its own. Deloitte's research shows consumers join an average of eight loyalty programs but actively use only five, and personalized outreach can lift spending by 12 to 18% for enrolled customers. In financial services, where clients may only call at renewal time, a structured enrollment call is often the most reliable way to get people into the program at all. There's a compliance angle too. The FCC confirmed that AI-generated voices count as artificial voices under the TCPA, and violations can run $500 to $1,500 per call, so who runs your enrollment calls matters as much as how many you run. In this 2026 guide, we compare five solutions for retirement planning firms: a managed, list-disciplined calling service, two loyalty platforms built for financial institutions, an insurance-specialized BPO call center, and an enterprise loyalty support provider. Each is evaluated on confirmed features, pricing transparency, and fit for firms that need to reach existing clients without tripping consent rules.
#1 My AI Call Center — Calling starts at 9¢ per connected minute, tiered by volume; most campaigns add a one-time setup fee and a flat monthly management fee, both quoted before launch. First campaign review is free.
My AI Call Center (myaicallcenter.app) is a done-for-you managed outbound calling service owned and operated by AIQ Labs, based in Halifax, Nova Scotia, with an operating base in Austin, Texas. This is a service, not software: you buy campaigns that the team runs for you, each scoped around one clear goal and quoted in full before launch. For retirement planning firms, the Loyalty Program Enrollment campaign calls approved, permissioned, or reviewed client lists to walk existing clients through preferred-client programs and tiered service benefits, capturing enrollment confirmations and routing follow-up requests directly back into the CRM and scheduling tools you already run. Hot leads can transfer to your advisors live or land in your CRM for same-day follow-up. The standout differentiator is list discipline. Before any campaign launches, the team reviews list source, consent records, and calling windows. Bought lists without clear permission records are flagged and, in most cases, declined. If a list won't support the campaign, they tell you plainly before you spend anything. That matters enormously in retirement planning, where client data carries regulatory weight and TCPA penalties can reach $1,500 per call for willful violations. Compliance is built in rather than bolted on. AI-generated voices are treated as artificial voices under the TCPA, so prior express consent is required. Every call carries AI disclosure, recipients can request a human or opt out with STOP or REVOKE keywords, opt-outs are logged and honored immediately, and DNC requests carry across all campaigns into your DNC records. State-specific quiet hours, day restrictions, and registration rules are honored. The company reports what actually happened and states plainly that it will never invent client logos, testimonials, metrics, or ratings.
Pros
- Fully managed service: list review, scripting, compliance, monitoring, and reporting handled for you
- Strict list and consent discipline reduces TCPA exposure, which matters in a regulated industry
- Full campaign cost known before launch, with the rate locked mid-campaign
- Real outcome reporting with no invented numbers, logos, or testimonials
- Complements renewal, retention, and win-back campaigns for the same client base
Cons
- It's a service, not self-serve software, so campaigns are run for you rather than configured in-house
- Requires documented consent records on your client list before launch
- Setup and management fees are quoted per campaign rather than published as flat rates
Best for: Retirement planning firms, wealth managers, and multi-advisor practices that want a managed, compliance-forward partner to run client loyalty enrollment calls against permissioned lists, without building an in-house call center.
#2 FIS Loyalty Engagement Solutions — Contact for pricing
FIS Loyalty Engagement Solutions is enterprise loyalty software built specifically for financial institutions, including banks, credit unions, digital banks, fintechs, and merchants. According to FIS's website, the platform helps organizations design and manage loyalty programs that reward everyday behavior, drive repeat card usage, and deliver measurable results across cards, payments, and digital channels. It was named a 2026 Loyalty360 Best in Class Award winner in customer loyalty technology, according to the company. The platform connects transaction data, rewards, and personalized offers into a single ecosystem. FIS enables real-time redemption of rewards and discounts by linking loyalty currency to payment cards, which supports repeated engagement and retention. Reward types include points, cash back, gift cards, travel, merchandise, and merchant-funded offers, redeemable instantly or through digital channels. For smaller institutions with tighter budgets, FIS offers cost-effective tools including merchant-funded offers, a compact redemption catalog, and debit card rewards. Deployment is modular, with four packages (Offers Only, Turnkey, Personalized, and Premium) that scale from starter card and debit programs to account-level personalization, relationship-based rewards, and custom bonus earn rules. Packages include features like Online Loyalty Manager, program management reports, a consumer reward website, digital and email-based marketing, and managed promotions. For a retirement planning firm affiliated with a bank or credit union, FIS works best as the loyalty program engine that enrollment campaigns feed into, rather than an outbound calling tool itself.
Pros
- Purpose-built for financial institutions rather than adapted from retail loyalty software
- Real-time card-linked redemption creates immediate, tangible value for members
- Modular packages let smaller institutions start with cost-effective offers-only programs
- Merchant-funded offers help share reward costs
Cons
- Contact-for-pricing model means costs are not published upfront
- Does not itself provide managed outbound enrollment calling
- Enterprise implementation may be more than a standalone advisory practice needs
Best for: Community banks, credit unions, and regional or global financial institutions that need card-linked loyalty infrastructure; a strong fit for planning firms operating within or alongside a banking institution.
#3 Antavo AI Loyalty Cloud — Contact for pricing
Antavo is an AI Loyalty Cloud platform that serves financial services brands alongside retail and other industries. Its published financial services guide highlights how banks and insurers use loyalty programs to create touchpoints outside traditional transactions: rewarding mobile app usage, savings milestones, and insurance renewals, offering exclusive perks like priority service, fee waivers, or better loan rates, and running targeted promotions such as double points on seasonal spending. According to Antavo's website, its loyalty features for financial services include account-based access that limits rewards to active account holders, custom program types such as credit card spend and balance-based tiers, VIP tiers, omnichannel earning and redemption, and reward options like cashback, rate boosts, loan discounts, and partner offers. The platform also supports reward sharing, partner rewards, and incentivized content consumption, per its published guide. For a retirement planning firm, the relevant pieces are the tiered program structure and the emphasis on creating touchpoints outside the buying cycle, which Antavo's own guide identifies as a priority in this vertical since customers generally only reach out when it's time to renew a contract. Like FIS, though, this is loyalty software you operate, not a calling service. Enrollment outreach still has to be run by your team or a separate calling partner, and Antavo does not publish pricing, so budgeting requires a sales conversation.
Pros
- Publishes a dedicated financial services loyalty guide with vertical-specific features
- Tiered structures and non-transactional touchpoints suit long-cycle industries like retirement planning
- API-first design supports integration with existing systems
- Reward options map well to financial products (cashback, rate boosts, loan discounts)
Cons
- Does not provide managed outbound enrollment calling; outreach requires your own team or a separate partner
- Pricing is not published, so budgeting requires a sales conversation
- Requires internal resources to configure and operate the program
Best for: Financial services brands, banks, and insurers that want an API-first loyalty platform with tiered program structures and financial-services-specific reward mechanics.
#4 TeleDirect — Contact for pricing
TeleDirect is an insurance-focused call center and BPO provider offering outsourced agent support for policyholder and member communication. According to their website, their U.S.-based agents are available 24/7/365, including holidays, handling policy inquiries, billing questions, claims support, and member enrollment. While their specialization is insurance, the member enrollment capability extends to outreach around new programs and offerings, which is how a retirement planning firm or firm operating alongside an insurance or benefits business could use it for loyalty enrollment work. On the enrollment side, TeleDirect lists member enrollment support among its core services, and its agents can qualify and transfer leads to your team. The company supports insurers in all 50 states and builds state-specific requirements into its workflows, an important consideration for firms operating across jurisdictions. Agents work within client-defined workflows, follow approved processes, and log calls with clear notations so customers don't repeat information. Compliance infrastructure is a stated strength. TeleDirect operates under ISO/IEC 27001 information security standards, aligns workflows with HIPAA and HITECH for health and life insurance work, and follows PCI DSS protocols when billing or recurring charges are involved. The company cites scale metrics including 28,000 open enrollment calls handled and 133 documented security and compliance procedures. For firms that want human agents on enrollment calls rather than AI voices, TeleDirect offers a traditional BPO route with deep insurance experience.
Pros
- Deep insurance industry specialization with agents trained on policy workflows
- Strong documented compliance posture (ISO 27001, HIPAA, HITECH, PCI DSS)
- 24/7 coverage removes after-hours gaps in member service
- Scales agent headcount for peak enrollment periods
Cons
- Pricing is not published, so budgeting requires a sales conversation
- Human-agent BPO model typically costs more per interaction than AI calling
- Enrollment calling is one service among many, not a dedicated loyalty enrollment product
- Traditional BPO model means buying agent time rather than a managed campaign outcome
Best for: Firms and carriers that want outsourced human agents for enrollment, member service, and support calls around the clock, especially those operating in or alongside insurance lines.
#5 DATAMARK — Contact for pricing
DATAMARK provides customer loyalty program support services through global contact centers, with a focus on membership tracking, customer inquiries, and personalized follow-ups. According to their website, agents are trained to handle high-value interactions with care, helping businesses encourage repeat engagement and maintain long-term customer relationships. The company has specialized in loyalty and rewards program support since 1989 and serves industries including healthcare, finance, banking, and insurance. The service model is broad: DATAMARK offers expert loyalty and rewards support representatives, omnichannel contact centers, bilingual support in English and Spanish, inbound and outbound capability, 24-hour coverage, contact center technology, and onsite options. Their loyalty program support is integrated into broader engagement strategies, so each customer touchpoint reinforces the program. According to the company, agents receive targeted training on your company's culture, products, and customer expectations so they function as a true extension of your brand, and the service can integrate with existing CRM and POS systems. For a retirement planning firm, DATAMARK fits the enrollment and ongoing member servicing side of a loyalty program: enrollment conversations, membership questions, and personalized follow-ups handled by trained human agents at scale. With offshore and nearshore options, it's built for enterprises that need volume coverage around the clock. Smaller advisory practices should weigh whether that scale matches their needs, and pricing requires a consultation.
Pros
- Four decades of loyalty and rewards program support experience
- 24/7 multilingual coverage with flexible offshore, nearshore, and onsite delivery
- Agents trained as an extension of your brand
- Integrates loyalty support with existing CRM and POS systems
Cons
- Pricing is not published; a consultation is required
- Enterprise BPO model may be more than a smaller advisory practice needs
- General loyalty support rather than a dedicated enrollment calling product
Best for: Enterprises and large financial services organizations that need outsourced human agents for loyalty program enrollment, membership servicing, and follow-up at scale.
A loyalty program only pays off for a retirement planning firm if clients actually enroll, and enrollment rarely happens passively. The five solutions above cover the two halves of the problem. My AI Call Center handles the enrollment conversation itself, running structured, TCPA-compliant campaigns against approved, permissioned, or reviewed client lists, with full cost quoted before launch and real outcome reporting afterward. FIS, Antavo, and DATAMARK provide the loyalty program infrastructure and servicing that enrolled members flow into. TeleDirect offers a traditional human-agent BPO route if you prefer live voices around the clock. If you want the fastest path to enrolled clients without hiring staff or buying call center software, start with the managed option. My AI Call Center's first campaign review is free, and calling starts at 9¢ per connected minute with the full number known before you approve anything. Plan your campaign at myaicallcenter.app and find out whether your client list will support the enrollment push before you spend a dollar.
Frequently asked questions
Why does loyalty program enrollment need outbound calls at all?
Because clients in retirement planning interact with their firm infrequently, often only around reviews or renewals. A passive sign-up page tends to sit empty. Deloitte's research shows consumers enroll in an average of eight loyalty programs but actively use only five, which means the enrollment conversation itself determines whether membership turns into engagement. A structured call explains the program in plain language, answers questions, confirms consent, and captures the enrollment in one interaction.
What makes My AI Call Center different from the other options on this list?
It's a managed service, not software. You buy campaigns the team runs for you, each scoped around one clear goal and quoted in full before launch. Its defining principle is list discipline: list source and consent records are checked before any campaign launches, bought lists without clear permission records are flagged and in most cases declined, and if a list won't support the campaign, they tell you plainly before you spend anything. Compliance is built in, with AI disclosure on every call, STOP and REVOKE keyword opt-outs, and DNC requests carried across all campaigns. The company also reports only what actually happened and states plainly that it will never invent client logos, testimonials, metrics, or ratings.
How does TCPA compliance work for AI-generated enrollment calls?
The FCC confirmed that AI-generated voices count as artificial voices under the TCPA, which means prior express consent is required before calling. Violations carry penalties of $500 per call, up to $1,500 for willful ones. My AI Call Center treats this as a product requirement: prior express consent is verified through list and consent review before launch, every call carries AI disclosure, recipients can ask if the call is AI-assisted, request a human, or opt out, and state-specific quiet hours, day restrictions, and registration rules are honored. Clients are responsible for obtaining appropriate legal guidance before launch.
How much does enrollment calling cost for a retirement planning firm?
With My AI Call Center, calling starts at 9¢ per connected minute, tiered by volume, with the rate locked for the campaign so it never moves mid-campaign. Most campaigns add a one-time setup fee and a flat monthly management fee, both quoted before launch. There are no per-seat charges, no platform bill, and no minimums you did not choose, and the first campaign review is free. FIS, Antavo, TeleDirect, and DATAMARK all use contact-for-pricing models, so budgeting with them requires a sales conversation.
Can these platforms work together?
Yes, and that's often the right structure. FIS and Antavo are loyalty program engines: they manage tiers, rewards, and member data, but they don't run outbound enrollment calls themselves. My AI Call Center handles the calling side and routes enrollment confirmations and follow-up requests back into the CRM and scheduling tools you already run. A firm affiliated with a bank or credit union might use FIS as the program infrastructure and a managed calling service to drive enrollment into it.
What do I need to have ready before launching an enrollment campaign?
The main prerequisite is a client list with documented consent records, since prior express consent is required for AI-generated voice calls under the TCPA. My AI Call Center's booking process captures your campaign goal, list volume and client relationship, consent records, and any regulated-area flags, and 'not sure' answers trigger a manual review. You'll also approve the script, disclosure language, opt-out handling, and escalation path before anything launches.
What reporting do I get after the campaign runs?
My AI Call Center delivers a named outcome report with disposition codes (confirmed, qualified, enrolled, opted out, no answer), per-call notes, a dispositioned contact list, outcome counts, routed follow-ups, a completion and coverage report, and opt-out and DNC logs. Hot leads transfer to your team live or land in your CRM, and the company reports what actually happened rather than inventing metrics.