U.S. workers are not sufficiently prepared for financial success in retirement. This qualitative phenomenological case study explored participants' perceptions of their retirement adequacy, financial literacy, and the effects of employer-sponsored programs to enhance their employees' financial literacy. This study intended to resolve U.S. workers under-preparedness for retirement by determining the effects of workplace programs to enhance employees' financial literacy leading to financial planning for retirement. The researcher developed four research questions to gain insight. Using the Life-Cycle Model (1954), the Cognitive Dissonance Theory (1957), the Nudge Theory (2008), and the Employee Commitment to the Organization Theory (1974) as the theoretical framework, the researcher interviewed 15 participants and conducted a thematic analysis. The researcher identified the following themes: defining financial literacy, assessment of individual financial literacy and the comparative financial literacy of others, enhancing financial literacy, financial success in retirement defined, confidence, planning for financial success in retirement, motivators to plan for financial success in retirement, motivators to participate in employer-sponsored programs to enhance financial literacy, participation in employer-sponsored programs, effectiveness of employer-sponsored programs, enhancing employer-sponsored programs, and commitment. Study findings were consistent with the theoretical framework and demonstrated that participants, based on their perceived financial literacy and engagement with employer-sponsored programs to enhance their financial literacy, accumulated wealth for retirement by modifying their behavior and saving that resulted in their being more committed to their organization. Based on these findings, a key recommendation is that employers offer employer-sponsored programs to enhance financial literacy that appeal to employees' individual needs to effectuate changes in behavior and planning for retirement. [The dissertation citations contained here are published with the permission of ProQuest LLC. Further reproduction is prohibited without permission. Copies of dissertations may be obtained by Telephone (800) 1-800-521-0600. Web page: http://bibliotheek.ehb.be:2222/en-US/products/dissertations/individuals.shtml.]