What you are talking about is a big headache, so, for this reason, your startup needs to think smarter. Actually, I've been doing research on how this process can be done fast and intuitive.

I have some suggestions can be applied on personal bases and the other options need 3rd party apps to be applied from your hi-tech company to secure data:

1- Create a phrase like "I hope the Giants will win the World Series in 2016!" Then, take the initials of each word and all numbers and symbols to create your password. So, that phrase would result in this: IhtGwwtWSi2016! In case the company decided not to invest in new options.

2- Enable two-step-verification Like in most known vendors like Google, Apple, Facebook, etc. But still you need to invent a new password

Check this example from Yahoo: When you click on Account Security you enable two-step verification. Then sliding it to the On position will bring up a prompt asking you for your phone number. Enter your number, then click either Send SMS or Call Me in order to receive a confirmation code. Enter the code when you receive it, and you're done.

3- Password Generator - Which I Recommend it personally - Is another way through using 3rd party application in order to generate a friendly password. By the way, this feature is also available in most of the browsers like Safari, and Firefox.

How it works:

1- The Administrator Guy, though using a special tool to generate Reset password Email to all employees every 90 days, when the employee opens the email he uses to click on that link embedded within the email to navigate to a Reset Password Page. And the random password is already placed in place, so the employee doesn't need to create one. and this password is dedicated to that person.

THEN to add a new layer of security they can do the following:

A- Either by sending a security code to their mobile to enter it.

B- Or using a QR service when you scan it using your mobile you are successfully entering the system FINALLY! :)

Such as http://saaspass.com You can check it.