Bring former-employer retirement accounts into your planning conversations. Deepen existing client relationships and support client-directed consolidation with account discovery and administrative follow-through from RetirementAnchor.
A conversation about your clients, the workflow, and whether there is a fit.
Former-employer accounts can sit outside the retirement planning conversation for years. Help clients see the fuller picture and act on their own decision to consolidate.
An old retirement account is more than an administrative loose end. It is part of your client's financial life. RetirementAnchor helps you bring those accounts into the conversation and supports the follow-through when a client chooses to consolidate.
Start with the employers and retirement providers a client remembers. Our discovery process helps identify possible plan and provider leads for further verification, including when the client has incomplete information.
A search result is a starting point: account ownership, current balances, and availability must be confirmed with the relevant institution.
Use a new-client review, a job change, or a retirement planning conversation to ask: “Are there retirement accounts from earlier jobs we haven’t discussed?” Offer a practical next step when the answer is yes.
You retain the advice relationship. The client retains control over their retirement savings.
Your team should not have to piece together every provider contact and administrative next step alone. Add support for gathering account information, recording client authorization, and coordinating the agreed follow-up. Your team stays involved in advice and client decisions.
Start with a defined client situation and agree on who handles each step before beginning an engagement.
Keep discovery requests, client authorizations, and follow-through documented. Our process separates possible account leads from verified information and records the client's direction before transfer steps proceed.
Documentation supports your team's records; your firm's advice, supervision, and compliance responsibilities remain with your firm.
A supported process for your client, with distinct steps for discovery, verification, and any transfer they choose to pursue.
Capture former-employer or provider details and the client's authorization to begin the discovery process. Incomplete information can be a starting point for follow-up.
Follow up on possible matches and confirm account details through the relevant institution. Your client evaluates their options with the advisors they choose; RetirementAnchor does not recommend a destination.
When a client elects an eligible transfer, support the required authorization and institutional coordination. Funds move between custodians. Requirements and timing depend on the accounts and providers involved.
No. Our role is account discovery and consolidation support. We do not trade, rebalance, allocate investments, or provide ongoing portfolio management within workplace retirement accounts. Investment advice remains with the client's chosen advisor.
No. Discovery does not commit a client to a rollover or a destination. The client decides whether to take action. Any transfer depends on account eligibility, the receiving institution's requirements, and the client's authorization.
No. Search coverage and available records vary. A possible plan match does not establish ownership or a current balance. Verification and transfer completion depend on the relevant institutions, their requirements, and the client's circumstances.
Tell us about your practice, the clients you serve, and the account discovery or consolidation work you want help with. We will discuss service scope, provider requirements, and a suitable starting workflow before agreeing on next steps.
During a planning review, a client says they left retirement assets with a former employer because consolidating them felt like too much work. They know the account is still there, but the paperwork, provider contacts, and uncertainty kept them from acting. Here is how the conversation can become a supported next step.
Illustrative scenario · Product screenshots use synthetic demonstration data, not customer results.
Your team: surfaces the account in a client conversation.
Your client: supplies former-employer or provider details and authorizes the discovery work.
RetirementAnchor: helps identify possible plan leads and organize the next inquiry.
RetirementAnchor: supports follow-up with the relevant provider or plan administrator.
Your client: provides the information needed to establish identity and ownership.
Your team: brings confirmed information into the planning conversation. A plan match alone is not a verified account or balance.
Your team: helps the client evaluate their options.
Your client: chooses whether to proceed and authorizes the relevant next steps.
RetirementAnchor: records the request and its scope. Permission to locate and assist does not itself authorize a transfer.
RetirementAnchor: supports agreed paperwork and institutional coordination for an eligible, separately authorized transfer.
The institutions: determine their requirements and execute any movement of funds.
Your team and client: stay involved when decisions or additional information are needed. Timing and completion depend on the case.
They know they left retirement savings with former employers. They may not know the current balances, and the calls, paperwork, and follow-up have kept moving those plans on the someday list. Here is how a participant can start getting help and see what happens next.
An old workplace plan is still there, but the participant may not have a recent statement or remember how much is in it. Former-employer or provider details give them a starting point for requesting help with the account.
After authorization, the participant has a saved request, a named contact, and a date for the next update. They can see who is helping and what to expect as the account work gets underway.
Screens use synthetic demonstration names and dates. A possible plan match requires account verification. “Authorization saved” records the request; it does not mean funds have moved. Any transfer requires the applicable separate authorization and institutional processing.
A walkthrough is a chance to evaluate the service before committing. Bring a general client situation; no account numbers or client documents are needed for the sales conversation.
Independent advisors, RIAs, and wealth management teams helping clients address retirement accounts left with former employers.
We discuss the account situation and provider requirements before confirming what we can support.
Identify the client need, introduce the service, and stay responsible for advice and the client relationship.
The client reviews permissions, supplies required information, and decides whether to pursue a transfer.
Define the discovery, documentation, and administrative follow-through appropriate to the case.
We clarify responsibilities and dependencies before work begins. We do not manage investments or hold client funds.
Use the walkthrough to discuss service scope, who pays, and how fees would be calculated. Agree on the applicable commercial terms before starting an engagement.
Together, define the initial client situation, supported accounts, responsibilities, and how progress will be communicated. Confirm availability and provider requirements as part of that discussion.
Talk through the fit →Book an advisor walkthrough. We’ll use the conversation to understand the client situations you want help with and discuss whether the service fits.
Prefer a direct email? sales@retirementanchor.com
See the workflow, ask your questions, and explore whether RetirementAnchor fits the client situations your practice encounters.
A general example of an account discovery or consolidation challenge. No client names, account numbers, balances, or documents are needed.
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Prefer email? Contact sales.
This two-minute product walkthrough illustrates the participant journey from account discovery and consent to transfer coordination and documentation. Actual account verification, provider requirements, and transfer timing vary by case.
Already helping people manage their financial lives? Add a path for retirement savings left behind. Let's explore how RetirementAnchor can complement your offering.
We welcome conversations with firms that want to connect their clients, members, or users with retirement account discovery and consolidation support.
Start with an advisor walkthrough to discuss your client use case, the workflow, and the service fit. For other sales or partnership inquiries, email our team directly.
For recordkeepers, advisors, TPAs, plan sponsors, brokers, and prospective strategic partners.
Book an advisor walkthroughA job change is the natural moment for an old account to follow the worker — into their new plan or an IRA. Instead it stalls. And money that doesn't move cleanly is expensive for everyone it touches.
Left-behind accounts sit in the old plan, charged recordkeeper maintenance fees year after year ($40–75 each) — drained from the plan and the participant alike.
Small balances drift into lost or abandoned status, leaving plans to fund force-outs or carry missing-participant obligations in perpetuity.
Most never realize they can move the balance into an IRA or their new plan — so they simply don't, and savings stay stranded.
Savings scattered across old accounts make it nearly impossible to plan — or advise on — retirement as one clear picture.
We help wealth advisors add retirement consolidation support to their practice, with a connected service for clients, employers, and recordkeepers. TPAs and strategic partners can also bring that support to the people they serve.
Turn the conversation about old retirement accounts into a supported next step. We help with account discovery, verification, documented consent, and transfer coordination while you focus on your client's financial picture.
Explore the advisor solutionRetirementAnchor supports the operational follow-through. We do not recommend destinations or provide investment advice, and we never take custody of funds.
Discuss a partnership built around your client relationships and the institutions that hold their accounts.
See how it could fit your practice →Left a job and left a 401(k) or IRA behind? It's still yours — it's just stuck, quietly losing $40–75 a year to maintenance fees. We locate it, verify it's really you, and move it wherever you choose: your new plan or an IRA.
You're contributing, things are fine — and that's exactly the moment to check. RetirementAnchor arrives as an employer benefit: a quick look for anything you left at former jobs, and an easy pull into the plan you're already in. If nothing turns up, great — you're done in two minutes.
Every departed employee who leaves a balance behind becomes your problem: missing-participant searches, force-out mechanics, fiduciary exposure that never expires. We clear it — on the participant's own election, fully audited — and it costs you nothing to run.
We move money-losing small accounts off your books and participant-elected roll-ins onto them. The destination is always the participant's own choice — we make no recommendation, so there's no disintermediation play here. Technically, it's built to pass your review.
For independent, small and mid-sized recordkeepers, RetirementAnchor helps resolve a backlog of small terminated-vested accounts that have been difficult to clear. If small balances pile up on your platform faster than you can move them off, the solution is built for you.
The large consolidation players are built to chase IRA rollovers, so they skip the small-balance, high-churn SMB and payroll books where accounts actually pile up. Those books over-index on stranded small accounts — and in-plan consolidation matters most exactly there. Our recordkeeper offering supports those underserved books alongside our advisor and TPA partnerships.
We work alongside recordkeepers and TPAs to streamline account consolidation and reduce manual follow-up. Our managed service complements the relationships and plan administration expertise your team already brings.
Modern data connections, AI-assisted operations, and straight-through processing give us a low cost-to-serve — the unlock that finally makes clearing small accounts economical.
Begin with whichever offering fits your book — the backlog sweep, roll-ins that grow the plans you keep, or the automated ops floor. Each stands on its own, with no build and no cost to you, and expands across the relationship as value compounds.
Every job change leaves another account behind — 31.9M abandoned accounts, $2.13T stranded, and $115B lost to dormant-account fees each year. SECURE 2.0's Portability Services Network was meant to solve it. Its structure instead hard-codes the mega recordkeepers' cost advantage — and leaves small and mid-sized RKs stuck.
Only tiny force-out balances qualify. The accounts that actually pile up inside your plans are bigger — and stay stuck.
PSN integration costs more than most small recordkeepers can justify — so they're shut out of the giants' clearing club.
Unlike the megas, small and mid-sized RKs can't cost-effectively force small accounts out to safe-harbor custodians.
Stuck servicing money-losing small accounts at $40–75 a year each, small RKs eat the cost or pass it to their SMB plans — and lose on price.
One managed service that lets small and mid-sized recordkeepers clear small accounts and compete — at zero out-of-pocket cost, run on the data and tech you already have, with no build on your side. Engage however suits your book: start with the backlog sweep, or lead with growth if that's your priority. Each offering stands on its own — and expands across the relationship as value compounds.
You hand us a participant file; our Forward Deployed team clears years of stranded $1k–$7k accounts by hand and returns a compliant audit trail — at zero cost to you. No integration and no clean data required; we run it on the systems and data you already have.
A modern, participant-directed engine that grows the plans you keep — start here if growth is your priority, with or without a backlog sweep first. Your current participants and recently added new hires pull their outside, old-employer balances into the plan they're in, on their own affirmative opt-in. We never recommend, so you stay off the fiduciary hook.
Four modules on the same engine — one for each way the ops floor eats headcount, led by auto-portability. Sub-$7k balances follow the departing worker to their next plan under SECURE 2.0 §120 — notice-based, opt-out honored, no signatures, no new backlog — while large accounts never leave your book. Priced under the headcount it replaces.
Bring retirement account consolidation support to the plan sponsors you serve. RetirementAnchor works alongside your team and the plan's recordkeeper to help participants take action on accounts left behind.
Account resolution often involves participants, plan sponsors, recordkeepers, and custodians. We help coordinate the transfer process so your team has less to chase.
You retain your plan administration role and sponsor relationships. We add discovery, consent, and transfer coordination, working with the institutions responsible for executing the movement of funds.
Let's identify the right plans, responsibilities, and workflow for a referral or service partnership.
Explore a TPA partnershipRetirement consolidation brings several relationships together. We support the administrative work while each party retains its role.
Add practical account discovery and follow-through support to the retirement planning conversation, with a service that complements your advice.
Get help pursuing former-employer account leads and understanding the next administrative steps. The client chooses whether to move eligible savings and where they should go.
Work with a service that helps gather information, document participant instructions, and coordinate account resolution with the institutions involved.
We lead with wealth advisors, working alongside TPAs, recordkeepers, and strategic partners to make retirement account consolidation part of the services people already trust.
Add retirement account discovery and managed consolidation to your practice. Help clients take action on savings left behind, with operational support from the first account search through transfer follow-up.
Turn on roll-in infrastructure. We bring you funded accounts at the job-change moment and handle discovery, identity, signed-instruction delivery, and reconciliation end to end — so you acquire AUM far below your normal CAC without building the solution yourself.
RetirementAnchor grew out of our work advising a small recordkeeper — Mutual of Omaha's Retirement Services business — where we watched cost-to-serve climb as smaller recordkeepers struggled to keep pace with the industry's rising technology table stakes.
We built the solution so they don't have to build it themselves.
Tandy is the co-founder and CEO of RetirementAnchor. Previously she was on the enterprise strategy team at Mutual of Omaha, advised defined-contribution retirement plans at NEPC, and worked in investment-management legal and compliance at Mercer. She began her career in audit at PwC.
Dan is the co-founder and COO of RetirementAnchor. He previously advised Fortune 500 financial-services companies on enterprise strategy, including Mutual of Omaha's Retirement Services business, and has co-founded technology startups. He holds a J.D. from American University's Washington College of Law.
Bring a client situation to an advisor walkthrough. See the experience, discuss who handles what, and explore scope and commercial terms before deciding on next steps.
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