Closing America's retirement savings gap
Saving for retirement
should be effortless
More than 100 million Americans aren't saving enough to retire. That only changes when saving becomes automatic and built into every paycheck.
Every worker should have retirement benefits.
Today, access depends on company size.
Only 13% of small and mid-sized businesses offer a 401(k), leaving nearly 5 million employers, and the 33+ million workers they employ, without a way to save through work.
Do not offer a 401(k)
Offer a 401(k)
Source: U.S. Small Business Administration, Employee Benefits Security Administration
We built a better 401(k) -
so more employers can offer one
For decades, employers have been asked to navigate complexity, cost, and liability.
We defined a new standard, centered around their needs.
Leadership team
We believe every American
deserves a secure retirement
Industry leaders with decades of experience in finance and tech—
rebuilding the 401(k) from the ground up
Operating principles
A different way of working
Business as usual built the retirement savings crisis. These five principles guide how we dismantle it.
Customer obsession
We are transforming a broken retirement system that has failed hardworking Americans and their employers. We root out obstacles between people and a retirement plan that maximizes their savings — and we don't stop until everyone has one.
Long-term orientation
We are solving one of the largest challenges facing our country. This will be a multi-decade journey. We make decisions that maximize customer outcomes across that horizon, and we refuse short-term wins that come at the expense of lasting ones.
Autonomous and accountable teams
We cannot reimagine retirement through rigid, top-down management. Instead, we hire exceptional people and trust them to own customer outcomes. We hold teams accountable and measure performance without dictating how the work gets done.
An escalating bar for talent and performance
We work with people who are the best in the world at what they do, and the bar is always rising. We look for outperformers in every role and act quickly when we make hiring mistakes. We promote the people taking on our hardest challenges — that's how careers are built here.
Fundamental optimism
We bring energy and conviction to everything we do. We name problems honestly, then tackle them with the belief that anything is possible. Helping more than 100 million Americans approach retirement would be daunting to most people. We're not most people.
Help us close America's
retirement savings gap
Join a team of builders making retirement saving the default for every American