There is the concept of franchises like McDonalds which seems to go against your point.
If someone really is "retired but wants to help people", I would expect to see the core educational content available for free (or near distribution cost) with the option to pay for one-on-one coaching/consulting services.
Not to mention the franchise collects commission on the franchisee's ongoing sales, not just a lump sum up front and say "you're on your own, have fun." It's quite a different ballgame altogether.