Americans abandon a 401(k) almost every time they change jobs — 31.9 million accounts so far, and counting. We build the rails that move the money automatically, then turn it into income when work ends. We never advise, never hold assets, and never charge the participant a cent.
A 401(k) is wired to the plan, not the person. Leave the job and the account stays behind. Stop working and there's no neutral party to help you turn thirty years of savings into a paycheck. Both problems have the same root.
That one rule is the whole architecture. Because we earn the same fee no matter where assets land, providers trust the rails and regulators can verify the neutrality. Plaid did this for bank data; SWIFT did it for payments. Nobody has done it for retirement.
One passport, three stages — providers, destinations, and carriers pay. The participant never pays.
SFTP drops, nightly extracts, a real API if you have one — we've built our integration factory around the formats recordkeepers and TPAs actually use, because asking 300 providers to adopt a new standard is how this problem stayed unsolved for twenty years.
Three scenarios, real screens: a job changer with a stranded account, a retiree turning savings into income, and the dashboard a payroll partner sees.
We found 3 accounts linked to your employment history. Review your consolidated balance and portability status below.
Based on your current balances, trajectory, and target retirement age of 65, here's where you stand today.
Choose where to move your Empower 401(k). All options are shown at equal terms — RetirementAnchor earns the same fee regardless of your choice.
By confirming, you instruct RetirementAnchor to facilitate this transfer. You are directing this action — we execute your instruction. No advice is being given.
Your Empower 401(k) is on its way to Fidelity. Your passport will update automatically when assets arrive — typically within 5–7 business days.
We've consolidated your accounts from across your career. Here's your full picture, ready for income activation.
Here's what your income looks like today — and the gap we'll help you close with guaranteed income options.
All options shown at identical terms. RetirementAnchor earns the same fee regardless of your choice. You choose — we execute.
Your SPIA application has been submitted to three carriers simultaneously. You'll receive quotes within 24 hours and have 30 days to finalize.
The first providers on the network get the most leverage from it — and the most say in how it gets built. Payroll platforms, carriers, recordkeepers: talk to us. Investors: we're raising our $7M seed.
Embed RetirementAnchor as a native retirement portability module — zero engineering lift on your side. One integration, thousands of employees get guaranteed income visibility.
RetirementAnchor is raising a $7M pre-seed/seed. Delaware C-Corp. SAFE or priced equity. It funds year one — the first ten provider integrations, SOC 2 + ERISA compliance certifications, and the first 5,000 transfers: the network metrics the next rounds are priced on.