Innovation in #retiretech - The Most Innovative Companies Shaping The Future Of The Industry - Nassau Re/Imagine
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Innovation in #retiretech
The Most Innovative Companies Shaping The Future Of The Industry
Background However, nearly every organization in the market realizes that they have
to reassess strategy, investment priorities, and partners to adapt to the
In late 2020, we held a series of events entitled “Reimagining Retirement in rapidly emerging new world. Who will help them?
a Post-COVID World.” By that point in time, most people in the industry
believed that the crisis had propelled technology adoption by carriers, From those sessions, we identified over 100 companies actively working
distributors and clients from five to ten years into the future. to solve that problem. We believe they will effectively rewire the industry
for the next ten years.
Nassau Re/Imagine’s Top 100+ Retiretech Companies 2021
The Most Innovative Companies Shaping The Future Of The Industry
SAVINGS FOR MILLENNIALS FINANCIAL PLANNING FOR MILLENNIALS SAVINGS FOR EMPLOYEES
CUSTOMER CREATION FOR ADVISORS RETIREMENT PLANNING FOR EMPLOYEES
INSTITUTION ENABLERS
RETIREMENT PLANNING FOR ADVISORS
PLANNING TOOLS FOR BOOMERS
D2C ANNUITIES
PRODUCT SELECTORS
COMPLIANCE/RISK MANAGEMENT
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#retiretech map
Nassau Re/Imagine
2021
Sectors FINANCIAL PLANNING FOR MILLENNIALS
We have divided this universe of companies into A very small number of millennials have Nearly every organization in the
eleven sectors. We created them by looking at accumulated enough wealth to start the market realizes that they have
the intersection of target customers - millennials, planning process. They may have saved the to reassess strategy, investment
employees, boomers - and the particular money through high-paying jobs, startup priorities, and partners to adapt
problems solved - savings, planning, and advice success, or inheritance from grandparents. A
to the rapidly emerging new
through planners, agents, or institutions. solid group of entrants work to create a native
digital experience for delivering advice that will world.
SAVINGS FOR MILLENNIALS create financial stability over time. Who will help them?
Unfortunately, most millennials find themselves SAVINGS FOR EMPLOYEES
drowning in debt. College debt makes the
headlines today. However, credit card and other Companies want a financially-stable workforce.
personal debt also create significant drag. To get there, employees need to save more.
Startups have emerged that work to help
A number of interesting companies have employees learn to change spending habits,
emerged to address the lack of savings. The ones budget and save more. RETIREMENT PLANNING FOR BOOMERS
that succeed will fuel retirement planning for
this generation in later years. RETIREMENT PLANNING FOR EMPLOYEES As boomers head into retirement, their comfort
with technology has increased substantially in
Today, most savings occurs at the workplace the last five years. A large group of companies
through 401(k) and other defined contribution have created digital-first platforms to provide
plans. Through automatic enrollment, advice, reallocate savings, and even purchase
participation has risen substantially over the retirement products.
Retirement plan providers, past 10 years at most companies.
financial institutions and CUSTOMER CREATION FOR ADVISORS
Truth be told, account balances still need to be
insurance carriers need Almost all agents and advisors want more
much larger on average to truly create stable
assistance building hooks retirements for most Americans. A number clients to serve. We could have called the new
into the new emerging of companies have emerged that attempt to companies in the sector “lead generators.”
partners. encourage better retirement planning with The However, the label would short-shrift their
Employee Retirement Income Security Act, greater ambitions to create new clients. The next
(ERISA) framework at the workplace. generation of startups in this category work to
effectively connect educated consumers with
well-matched advisors.
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Nassau Re/Imagine
2021
PLANNING TOOLS FOR ADVISORS
A number of interesting companies have
The industry delivered advanced planning simulation tools to advisors
ten to fifteen years ago. These effectively brought institutional-strength
emerged to address the lack of savings.
capabilities like Monte Carlo simulations to individual investors. They The ones that succeed will fuel retirement
typically served as the basis for plans later executed by agents or advisors. planning for this generation, in later years.
Today, the next generation of tools use the same advanced algorithms, but
integrates them from product manufacturer to actual trading platforms.
They promise to deliver real time planning linked to actual portfolio
activities.
D2C ANNUITIES
platforms that can react in real time. Individuals increasingly can
Online term life providers have broken the paradigm that insurance is
benefit from risk mitigation strategies previously available only to
bought not sold. Many naysayers continue to argue that annuities will never
large institutions.
be sold in a similar fashion. However, a number of companies have started
to crack the D2C (Direct to Consumer) code starting with simple-to-
explain, simple-to-purchase annuities offering good consumer value.
INSTITUTION ENABLERS
PRODUCT SELECTORS
Finally, retirement plan providers, financial institutions and
insurance carriers need assistance building hooks into the new
The Internet drives transparency. In a sea of product choices and options,
emerging partners. They need better data to make underwriting
companies that organize, rate, and recommend products will only create
and pricing decisions in real time. They also need systems that will
more value for agents, advisors and consumers over the coming years. We
reduce costs as margins continue to compress.
see an influx of companies reinventing the UX (User Experience) and
redefining the factors that drive purchase decisions.
Summary
COMPLIANCE/RISK MANAGEMENT
We hope that this list of over 100 companies grows to 200 and
Today, institutions, agents, advisors, and customers confront a broader range beyond. Millions of Americans need a more secure retirement.
of risks than ever before. These include interest rate fluctuations, market Solving this problem requires new approaches to a number of
volatility, health issues, geopolitical turmoil, and now even cyber security. problems: increasing rates of savings, improving financial literacy,
A number of companies are rapidly building platforms to provide better creating more options for accumulation, and providing better
real time assessments of investment risk and integrate them with trading strategies for decumulating wealth in retirement.
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Nassau Re/Imagine
2021
Innovation in #retiretech
The Most Innovative Companies Shaping The Future Of The Industry
55IP ADVIZR ALGOREG
55ip is a financial technology company whose Advizr is dedicated to creating financial planning Algoreg is a global RegTech, contributing to the
purpose is to break down barriers to financial software that enables profitable financial planning digital transformation of businesses in compliance
progress. Financial advisors use 55ip’s tax-smart for all of its customers. It has automated advice with regulatory requirements.With our proprietary
investment strategy engine to dramatically improve delivery that allows more advisors to participate in solutions, we transform the way that banks,
their efficiency and effectiveness. 55ip’s intuitive holistic advice and more clients to receive financial investment funds, payment companies or insurance
experience and intelligent automation elevate plans regardless of their net worth. firms are on-boarding their customers and conduct
portfolio design and delivery, helping advisors save the KYC journey. Our products enable a fast and
https://www.advisorhub.com/fintech/advizr-2/
time and drive better outcomes for their clients. Category: Planning Tools For Advisors
compliant onboarding, decrease operational KYC
and reduce negative impacts on customers.
https://www.55-ip.com
Category: Planning Tools For Advisors https://www.algoreg.com/
Category: Compliance/Risk Management
ACORNS AGE-UP ANNUITIES GENIUS
Acorns is a finance company that allows individuals AgeUp is an annuity that gives you an income Annuities Genius offers everything you can possibly
to round up purchases and automatically invest the boost if you live into your 90s, and an optional need to present, choose and sell annuities in one
change. It allows customers to automatically invest return of premium that could help cover final or place at your fingertips.
in a low-cost, diversified portfolio of exchange- other expenses if you don’t. https://annuitiesgenius.com
traded funds offered by some asset managers https://learn.age-up.com/howitworks Category: Product Selectors
including Vanguard and BlackRock. Category: D2C Annuities
https://www.acorns.com
Category: Savings for Millennials
Company Detail - Page 1
Innovation in #retiretech
The Most Innovative Companies Shaping The Future Of The Industry
ANNUITY RATE WATCH BLUEPRINT INCOME CANNEX
Annuity Rate Watch is an Industry With Blueprint Income, you have the option of CANNEX is the premier provider of data, research
Leading Annuity Software For Financial signing up for a Personal Pension or buying a and quantitative analysis for retirement savings and
Professionals and Distributors. traditional annuity. With either, you get guaranteed income products in North America. Our mission is
retirement income you can count on for life. to provide access and transparency to the pricing
https://www.annuityratewatch.com
and features of annuity, bank and investment
Category: Product Selectors https://www.blueprintincome.com
Category: D2C Annuities
products that consumers rely on for retirement
security.
https://www.cannex.com/
Category: Institution Enabler
ASSET MAP BRIDGE CANVAS ANNUITY
Asset-Map visually organizes all of a household’s Bridge helps RIAs save money for their clients by Canvas Annuity allows for a simple way to fund your
finances in a clear graphical layout, allowing finding low-cost ETF alternatives to mutual fund retirement with a fixed annuity.Their Mott: People-
Advisors to apply their professional insight in real- investments. first annuities. Great rates. Flexible access. Zero
time. commissions
https://www.bridgeft.com
https://www.asset-map.com Category: Planning Tools For Advisors https://canvasannuity.com
Category: Planning Tools For Advisors Category: D2C Annuities
Company Detail - Page 2
Innovation in #retiretech
The Most Innovative Companies Shaping The Future Of The Industry
CATCH CLIENTPOINT COPILOT ADVISOR
Catch handles all of it so you don’t have to. ClientPoint is a cloud-based platform designed to CoPilot AI is a SaaS company that uses A.I.
Whether you work for yourself or have a few side generate, manage and track sales proposals. The and rich social data to connect businesses with
gigs, you still need tax withholding, time off, platform ties all SaaS together to give businesses qualified people on social media with authentic
retirement, and health insurance. Catch can help a way to easily build custom client portals, or conversations to identify and surface timely
you get squared away. Choose your benefits, link ClientPoints, so that they can: engage prospects opportunities.
your bank, then set aside a percentage of each more dynamically to close more deals faster; (2) https://copilotai.com
paycheck. It’s that simple. successfully onboard customers better, and build Category: Customer Creation For Advisors
stronger and more profitable relationships with
https://www.catch.co
Category: Savings for Millennials
them over time.
https://www.clientpoint.net
Category: Planning Tools For Advisors
CLEARNOMICS COMPLYSCI COVR FINANCIAL TECHNOLOGIES
Empowers financial advisors to have engaging ComplySci is a leading provider of regulatory Covr’s digital, white-labeled platforms integrate
market conversations with their clients. _ technology solutions that help compliance seamlessly with financial brands to provide life,
Clearnomics provides a technology that encourages professionals identify, manage and report on long-term care, disability, and supplemental health
financial advisors to have engaging market employee conflicts of interests and compliance solutions from top carriers to their clients in a
conversations with clients. risk activities, including personal trading, political simple, turnkey way. Covr’s AI-driven tools, digital
contributions, and other violations. advice model and omni-channel sales support
https://www.clearnomics.com
seamlessly blends high-tech and high-touch.
Category: Planning Tools For Advisors https://www.complysci.com/
Category: Compliance/Risk Management https://covrtech.com
Category: Institution Enabler
Company Detail - Page 3
Innovation in #retiretech
The Most Innovative Companies Shaping The Future Of The Industry
DIGIT EFTLOGIC ENSIGHT
Digit is a finance app that analyzes your spending EFTLogic is a provider of analytics and portfolio Ensight™ provides SaaS-based sales acceleration
habits and automatically saves the perfect amount tools to ETF issuers, institutions, and financial solutions that make selling life insurance, LTC and
every day. advisors. EFTLogic offers their web-based ETFLogic annuities simpler, more profitable & a modern
Insights platform to all professional market digital experience. The Ensight™ sales enablement
https://digit.co
Category: Savings for Millennials
participants, RIAs and advisors. Additional business platform helps insurance carriers, national
lines include our Customized API Solutions, distributors, BGAs and financial professionals
ETFLogic Compliance Suite, Alternative Data and drive sales growth, improve sales productivity, and
Corporate Analytics. Our solutions honein on transform the advisor-client experience at the point
portfolios, portfolio attribution, optimization and of sale.
risk measurement. https://ensightcloud.com/
https://www.etflogic.io Category: Institution Enabler
Category: Planning Tools For Advisors
DUE ELLEVEST EPSOR
Due makes retirement simple with an annuity/ Ellevest is a full-service robo-advisor aimed at Epsor designs and distributes employee savings
pension like program to help you know how much female investors, with a focus on how different and retirement plans. The company has thus
money you have coming in each month when you incomes, lifetime earnings, events and lifespans add built an easy-to-deploy digital platform with a
retire. up to the need for a discrete investment approach transparent pricing policy. Compared to other
to help women meet their life and financial goals. market players, Epsor’s product offering is cheaper
https://due.com/annuity/
and relies on an open architecture.
Category: Retirement Planning for Boomers https://www.ellevest.com
Category: Financial Planning for Millennials https://epsor.fr
Category: Retirement Planning for Employees
Company Detail - Page 4
Innovation in #retiretech
The Most Innovative Companies Shaping The Future Of The Industry
EVEN.COM FACET WEALTH FINDBOB
Even offers an affordable on-demand pay product Facet Wealth is a provider of financial and wealth FindBoB is a growth, transition and succession
that allows employees to access their paychecks management services used to simplify the financial planning tool for financial advisors and insurance
when they need it most—without confusing, planning process. Its services include portfolio agents, utilizing machine learning and elements of
hidden, or predatory fees. With a proven track management, comprehensive full financial life gamification for asset protection.
record of reducing employee turnover and planning, and personalized goal planning from a https://www.findbob.io
increasing retention and productivity, Even is the dedicated Certified Financial Planner (CFP) on a Category: Planning Tools For Advisors
highest-rated on-demand pay app and has helped subscription-based model that enables customers
employees save more than$82 million to date. toincrease their financial security and prosperity at
an affordable cost.
https://www.even.com
Category: Savings for Employees https://www.facetwealth.com
Category: Financial Planning for Millennials
EVOSHARE FENRIS DIGITAL FINOS
EvoShare is the only solution turning American Fenris enables streamlined customer acquisition The Fintech Open Source Foundation is an
workers’_ spending into automatic retirement and full lifecycle optimization. Clients (agencies, independent nonprofit organization focused on
savings. For a long time, employees have only had carriers, financial services providers) leverage their promoting open innovation during a period of
one source of money for their 401(k) or 403(b) plan; APIs to inject insights and data into their workflows, unprecedented technological transformation within
their paycheck. With EvoShare, employees have to increase conversions, and deliver killer Amazon- financial services. FINOS believes that organizations
access to an entirely new source of money to grow like customer journeys. that embrace open source software development
their retirement savings; their spending. and common standards will be best positioned to
https://fenrisd.com
capture the growth opportunities presented by this
https://evoshare.com Category: Institution Enabler
Category: Retirement Planning for Employees
transformation.
https://www.finos.org
Category: Institution Enabler
Company Detail - Page 5
Innovation in #retiretech
The Most Innovative Companies Shaping The Future Of The Industry
FINTECH ROBOS GAINBRIDGE GENIVITY
Fintech Robos serves is a catalyst for transformation The Gainbridge SPIA (Single-Premium Immediate Genivity is a dynamic client engagement tool that
across the region by empowering governments to Annuity) is a financial planning tool designed to predicts family & lifestyle-based health risks to help
embark on key pension reforms, by providing high- convert an initial investment into a stable stream of advisors provide more comprehensive, targeted
tech digital solutions for contributory and defined fixed monthly payouts over a specified investment advice to clients, and better communication with
contribution (DC) pension system administration. period. next generation heirs.
https://fintechrobos.com https://www.gainbridge.life https://www.genivity.com
Category: Institution Enabler Category: Retirement Planning for Boomers Category: Planning Tools For Advisors
F_V GAINFULLY GERRY
Your Annuity Custom Software Solution Experts. Gainfully is a financial services platform that helps Gerry is a concierge service provider, helping
Focus on your clients and efficiency. Let FIV financial professionals generate new business and families find the right assisted living homes for
streamline your operations so you can keep doing connect with their clients better. elders. The company provides its services related
what you love. FIV acts as the central platform for to assisted home living, financial planning, memory
https://www.gainfully.com
only your Carriers, Products and Rates, Tear Sheets, Category: Customer Creation For Advisors
care facilities, family support, and communication,
Compliance and Database Management. providing families with personalized
recommendations and advice to find a suitable
http://fiv.launchrock.com
Category: Planning Tools For Advisors
facility fortheir loved ones.
https://www.meetgerry.com
Category: Retirement Planning for Boomers
Company Detail - Page 6Innovation in #retiretech
The Most Innovative Companies Shaping The Future Of The Industry
GETRETIRE GRANDHOOD HALO INVESTMENTS
GetRetire is a free service to help you monitor your Grandhood aims to make every pension investment Halo Investing is the first multi-issuer technology
retirement savings, and saves you hundreds of more transparent and accessible. They are a platform for protective investment solutions. Halo
thousands of dollars while they’re at it. Denmark-based startup working on an alternative has created a two-sided marketplace connecting
pension fund. advisors and investors to protective investment
https://www.getretire.com
products offered by leading global financial
Category: Savings for Millennials https://www.grandhood.dk
Category: Retirement Planning for Employees
institutions. Through the Halo platform, advisors
and investors can easily access structured notes,
market-linked CDs, buffered ETFs, and annuities as
well as a whole suite of tools to analyze, customize,
execute, and maintain the most suitable protective
investment product for their portfolios
GO2INCOME GUIDELINE HARNESS WEALTH
Go2Income helps retirees or near-retirees secure Guideline is an all-inclusive 401(k) and full-stack Harness Wealth is a platform that connects clients
their retirement with more dependable, spendable solution that automates plan administration and to vetted financial advisory firms that provide a
income. compliance to growing businesses. wide range of tailored financial services.
https://go2income.com https://www.guideline.com https://www.harnesswealth.com
Category: Retirement Planning for Boomers Category: Retirement Planning for Employees Category: Financial Planning for Millennials
Company Detail - Page 7Innovation in #retiretech
The Most Innovative Companies Shaping The Future Of The Industry
ICON SAVINGS INCOME DISCOVERY INSURANCE TECHNOLOGIES
Icon Retirement savings built for the 21st century. Income Discovery is a value-added planning tool Insurance Technologies offers innovative sales and
It’s the first portable, universally accessible, built to help advisors provide better answers to regulatory automation solutions. We automate and
workplace savings plan. Built for the modern difficult questions from clients either contemplating modernize the entire sales process for advisors,
workforce, our proprietary technology delivers retirement or currently in retirement. A proven white agents and their customers, advancing the way
simple, fast, radically less expensive alternative to label tech platform for retirement decumulation to insurance, retirement and investment products are
401k plans. deliver a Full & Rich Retirement to millions. marketed, sold, bought, delivered and managed.
From pre-sale functions through e-application, to
https://www.iconsavingsplan.com https://www.incomediscovery.com
Category: Savings for Employees Category: Institution Enabler
post-sale services, our suite of integrated sales
tools and components make the sales and buying
experience intuitive, fast and mobile.
https://www.insurancetechnologies.com/
Category: Planning Tools For Advisors
INCOME CONDUCTOR INCOME SOLUTIONS INSURELIFE
IncomeConductor® is a proprietary, cloud-based Income Solutions Platform is a lifetime income InsureLife provides an AI-powered Network
tool that allows advisors, firms and individuals to annuity marketplace with simple, streamlined tools Orchestration Platform for Insurers that digitally
create customized, time-segmented income plans that can help you turn savings into a paycheck for connects their financial services products with
that can be easily tracked and managed throughout life or an income stream you won’t outlive. You can consumers and agents so they interact anytime,
retirement. compare features on low-cost, competitively bid growing sales in a contactless world.
annuity products from multiple top-rated insurance
https://incomeconductor.com https://insurelife.io
Category: Planning Tools For Advisors
companies and choose the income annuity best Category: Customer Creation For Advisors
suited to your personal financial needs.
https://www.incomesolutions.com/
Category: Retirement Planning for Boomers
Company Detail - Page 8Innovation in #retiretech
The Most Innovative Companies Shaping The Future Of The Industry
INTELLAGENTS IPIPELINE KIDBROOKE
Intellagents is the only no-code, hybrid cloud, iPipeline provides cloud-based software solutions By distilling decades of research in the fields of
independent insurance integration platform, for the life insurance and financial services industry. quantitative analysis, behavioural economics and
connecting agents, insurers, and new digital We provide process automation and seamless portfolio management into easily accessible APIs,
marketplaces and ecosystems with best-in-class integration between every participant in the life Kidbrooke enables the FinTechs and financial
insurtech solutions, data, and AI provider, Core insurance industry including carriers, agents (such institutions to build the next-generation digital
and legacy systems to power “Real Change” in the as financial advisors and independent insurance wealth experiences. They provide B2B automated
insurance industry. agents), distributors (such as banks, broker-dealers, financial analytics designed to lower the cost of
and general agencies) and consumers. providing wealth management services without
https://www.intellagents.com
compromising on performance scalability.
Category: Institution Enabler https://www.ipipeline.com/
Category: Institution Enabler https://kidbrooke.com
Category: Institution Enabler
INTERGEN DATA JOURNEYGUIDE LIFE.IO
InterGen Data develops proprietary “AI/ML” JourneyGuide allows you to interactively work with Life.io is the world’s first web-based platform
Artificial Intelligence-based Machine Learning your clients’ and provide answers to their most specifically designed to help people make
algorithms that help banks, financial services, and important retirement questions in seconds, not better decisions every moment, to take care of
insurance companies predict and identify when days. And, you can quickly show them options for themselves more, to engage more, to simply live
their clients are likely to have an important Life improving their retirement beyond, “Save more, more. Delivered through insurance companies or
Event occur, what it could be, and how much of a retire later.” Together, you can chart a course to, employers, it’s always on, sharing inspired ideas on
financial impact that it could make. and through, retirement. how to live better today and every day after.
https://www.intergendata.com https://life.io
Category: Institution Enabler
https://www.journeyguideplanning.com/ Category: Institution Enabler
Category: Planning Tools For Advisors
Company Detail - Page 9Innovation in #retiretech
The Most Innovative Companies Shaping The Future Of The Industry
LIFELEGACY LONGEVITY CARD MARCUS
Life Legacy creates a mission-driven channel that Longevity Card is a banking application Marcus by Goldman Sachs® provides no-fee
current life insurance buyers don’t have access to developer intended to help manage money personal loans & high-yield online savings for
or knowledge of. Their platform instantly allows and health, together. Their application provides individuals. Their motto: Financial tools to help you
members to find an affordable plan, support the financial products, personalized health tips and grow and manage your money.
charity of their choice by paying monthly premiums, recommendations from your personal AI longevity https://www.marcus.com/us
and most importantly, leave the world a better advisor, reward points that can be redeemed to Category: Savings for Millennials
place. buy products within the marketplace ecosystem,
thereby enabling users to remainhigh functioning
https://lifelegacy.io
Category: Retirement Planning for Boomers
and financially stable throughout their lives.
https://www.longevity.cards
Category: Savings for Millennials
LIFEYIELD LUMA FINANANCIAL TECHNOLOGIES MARSTONE INC
LifeYield’s software takes a comprehensive view Luma is an independent multi-issue platform that Marstone is an ensemble of experienced designers,
of investors’_ assets and provides simple tools to provides banks and brokers and dealers an order technologists, storytellers, and wealth management
help improve their financial health. The company entry system. Its education and training system practitioners who came together to develop a new
does so through the LifeYield Advantage Suite™ helps advisors maximize their sales and marketing breed of financial tools and investment solutions
of assetoptimizing software programs including efforts to provide the best purchasing options for that are intuitive, useful, and relevant for everyone.
Portfolio Advantage, Social Security Advantage, their clients. Moreover, their post-sales support https://www.marstone.com
and Income Advantage. provides life cycle support to ensure that advisors Category: Planning Tools For Advisors
and clients are maximizing their purchases.
https://www.lifeyield.com
Category: Planning Tools For Advisors https://lumafintech.com/
Category: Planning Tools For Advisors
Company Detail - Page 10Innovation in #retiretech
The Most Innovative Companies Shaping The Future Of The Industry
MICRUITY NICE ACTIMIZE ORIGIN
Micruity’s first of its kind platform enables NICE Actimize is the largest and broadest provider Origin is the only platform that helps your people
frictionless annuity transactions, the portability of of financial crime, risk and compliance solutions for manage compensation, benefits and personal
annuity products, and the building of annuity based regional and global financial institutions, as well finances – side by side with financial professionals.
funds. as government regulators.NICE Actimize experts https://www.useorigin.com
apply innovative technology to protect institutions
https://www.micruity.com Category: Financial Planning for Millennials
Category: Institution Enabler
and safeguard consumers and investors assets by
identifying financial crime, preventing fraud and
providing regulatory compliance. Providing real-
time, cross-channel fraud prevention, anti-money
laundering detection, and trading surveillance
solutions that address such concerns as payment
fraud, cyber crime, sanctions monitoring, market
NEXT CAPITAL NOW: PENSIONS PENFOLD
NextCapital’s Managed Advice platform provides NOW: Pensions has a clear mission: to help Penfold is the new way of doing Pensions.
retirement savers with personalized advice and everyone save for a more financially secure future. Managed entirely on mobile, it gives people
a plan that grows with them, _to and through This means achieving the best financial outcomes complete transparency to track everything about
retirement. for their own members, while fighting for a fair their pension in real time. It myth-busts and
pension system to enable all pension savers to explains pensions and retirement planning in the
https://www.nextcapital.com
Category: Retirement Planning for Employees
enjoy the retirement they deserve by highlighting most simple way, and it helps you avoid building up
pension inequalities and campaigning for change. loads of small pots every time you change jobs.
https://www.nowpensions.com https://getpenfold.com
Category: Retirement Planning for Employees Category: Savings for Employees
Company Detail - Page 11Innovation in #retiretech
The Most Innovative Companies Shaping The Future Of The Industry
PENSIONBEE PORTFORMER PROFORMEX
PensionBee combines all your old pensions into Portformer is a fund intelligence platform that Proformex is the leading inforce management
one new online plan. The application enables its helps RIAs, asset managers, and other professional platform offering data aggregation, analytics,
users to create profiles including information on investors find high-quality, low-cost ETFs. and portfolio monitoring for life insurance and
past and present pension and personal information. annuities. The platform is purpose-built to help
https://www.portformer.com
It allows them to track the pension progress and Category: Planning Tools For Advisors
independent life insurance and advisory firms
features a pension calculator to set retirement goals protect their clients’ best interest and ensure
and add new contributions. regulatory compliance by monitoring individual
policy performance, identifying at-risk policies, and
https://www.pensionbee.com
Category: Retirement Planning for Employees
uncovering new sales opportunities.
https://www.proformex.com/
Category: Planning Tools For Advisors
PENSIONSYNC PROFILE PENSIONS PTO EXCHANGE
pensionsync is a solution that automates the Profile Pensions’ mission is to help everyone in the PTO Exchange is a flexible benefits platform that
delivery of data between payroll, AE middleware UK better understand their pension(s), allowing allows employers to extend existing benefits to
and pension providers. pensionsync is at the heart them to be more informed and ultimately better convert unused paid time off (PTO) into retirement
of automatic enrollment connecting payroll and off in retirement. They provide impartial, expert contributions, student loan payments, emergency
pensions. and ongoing pension advice. You don’t need to cash, or voluntary health insurance Advisor Tools.
be financially savvy to be their customer. You don’t
https://www.pensionsync.com https://www.ptoexchange.com
Category: Institution Enabler
need to be ‘high net worth’. You don’t even need Category: Retirement Planning for Employees
to know anything about your pension. All you need
is to want to do something about your financial
future. They can help with the rest.
https://www.profilepensions.co.uk
Category: Retirement Planning for Employees
Company Detail - Page 12Innovation in #retiretech
The Most Innovative Companies Shaping The Future Of The Industry
QUESTIS RETIRABLE RETIREUP
Questis is a workforce financial empowerment Retirable’s mission is to provide everyone with RetireUp offers registered representatives and
company providing a complete personal finance financial stability and lasting peace of mind through RIAs a way to add value by providing clients with
solution that benefits people, employers, and clear, approachable, professional advice. To start, essential consultation and guidance. RetireUp
advisors. We help businesses become life-changing They’re helping U.S. pre-retirees find their way to transforms client conversations into the centerpiece
employers by helping employees solve the root the futures they deserve. of the Retirement Income Story – with compelling
causes of financial stress. discussions around the full picture of defined
https://retirable.com
income (Social Security, variable annuities, fixed
https://www.myquestis.com Category: Retirement Planning for Boomers
Category: Retirement Planning for Employees
index annuities, pensions) and other assets.
https://www.retireup.com
Category: Planning Tools For Advisors
REFRAMEFP RETIREE INCOME RIA IN A BOX
ReFrame Financial Planning is on a mission to Retiree Income is retirement planning software RIA in a Box® provides the leading compliance
shift the mindset around financial planning and solution for fixed income, social security, and tax- solution for investment advisers. We put the client
“traditional” retirement. ReFrame Financial efficient withdrawals. The company was founded first by delivering innovative software and expert
Planning helps those who are looking for a new way on the belief that there is a better way to serve advice. Since 2005 we take pride in partnering with
to engage with a financial advisor. With one-on-one retirees or people getting ready to retire—one that our clients to establish and support the highest
engagement, purposeful conversations, holistic is smarter and more personalized. quality registered investment adviser (“RIA”) firms
financial planning, transition coaching and practical in the country.
https://www.retireeincome.com
education. Category: Retirement Planning for Boomers https://www.riainabox.com/ria-in-a-box-company-
https://reframefp.com overview
Category: Retirement Planning for Boomers Category: Planning Tools For Advisors
Company Detail - Page 13Innovation in #retiretech
The Most Innovative Companies Shaping The Future Of The Industry
RIGHT BRIDGE SAVOLOGY SILVER BILLS
Right Bridge’s mission is to deliver the gift of Savology is helping American households improve Developer of bill paying technology intended to
financial clarity to affluent individuals and families their financial well-being by providing accessible take over the burden of paying bill for seniors.
who are thoughtfully preparing for, or already in, and affordable financial planning online. Savology Silver Bills’ technology receives clients’ bills
retirement. They do this, first, by helping clients delivers financial planning directly to consumers electronically, scrutinizes and pays them, employs
determine their financial goals and, second, by and through employers as a sponsored benefit. technology-based secure systems to alleviate the
creating a custom, tailored portfolio engineered hassles of daily money management and charges
https://savology.com
specifically for them. They owe no allegiance to any Category: Retirement Planning for Employees
an economical, flat monthly fee, enablingelderly
company or investment – Their only loyalty is to our Americans and their families live in their homes
clients. without the stress and anxiety that often
accompanies paying bills.
https://www.rightbridgefinancial.com
Category: Institution Enabler https://silverbills.com
Category: Retirement Planning for Boomers
RISKALYZE SECURE SAVE SILVUR BY KINDUR
Riskalyze operates a risk alignment platform that Secure makes it easy for employers to add Silvur is a retirement planning app that helps baby
transforms the advisory industry by allowing emergency savings accounts (ESA) to their benefits boomers reach their retirement goals. It provides
investment advisors to capture a quantitative program, and helps employees build towards a those entering their second and third acts of life
measurement of client risk tolerance. The platform healthy financial future. With Secure, employers with a no-fear retirement plan, giving users the
uses its data to attract new clients, capture and can provide an immediate positive impact on their ability to improve their financial fitness over time.
meet their expectations, and quantify suitability. employees’ lives. Plan your entire retirement at the power of your
fingertips.
https://www.riskalyze.com https://securesave.co
Category: Planning Tools For Advisors Category: Retirement Planning for Employees https://www.kindur.com
Category: Retirement Planning for Boomers
Company Detail - Page 14Innovation in #retiretech
The Most Innovative Companies Shaping The Future Of The Industry
SIMON SMARTASSET SOCIALEADS
Simon allows you to experience structured SmartAsset is a financial technology company that Socialeads is a platform that analyzes social media
investment and annuity solutions that work for the empowers people with automated personalized content for context, life events, and personality
advisor—with pre-sale, point-of-sale, and post- financial advice. The company has created dozens dimensions. It combines social science, data
trade analytical tools—so advisors can stay focused of calculators and tools spanning home buying, science, and advanced technologies to see
on their clients. retirement planning, life insurance, personal loans, and know the clients’ personal and professional
student loans, credit cards, loan refinance, taxes, networks and deliver actionable insights right to
https://simon.io
Category: Planning Tools For Advisors
finding a financial advisor and investing. The their phone.
company connects people to financial advisors via https://socialeads.com
the SmartAdvisor service. Category: Customer Creation For Advisors
https://smartasset.com
Category: Customer Creation For Advisors
SMART PENSION SMARTX ADVISORY SOLUTIONS SOCOTRA
Smart Pension is a workplace pension tailored SmartX Advisory Solutions is a leading innovator of Socotra is a technology platform that builds a
specifically for UK businesses. Their employee app managed accounts technology and architect of the modern cloud-based platform for technology-
will transform the future of pension saving for a new SMArtX Turnkey Asset Management Platform. driven insurers. Its platform is built from the
generation. It allows users to pick and choose the ground-up using the latest technologies to be
https://www.smartxadvisory.com
most suitable investment funds, track their pension Category: Institution Enabler
transparent, reliable, flexible, and secure. It aims to
balance in real-time on their phone and increase provide insurers with a modern, enterprise-grade
contribution levels when they can afford to do so core system that enables them to rapidly develop
- engaging people with their pensions like never anddistribute products that better serve their
before. customers.
https://www.smartpension.co.uk https://www.socotra.com
Category: Retirement Planning for Employees Category: Institution Enabler
Company Detail - Page 15Innovation in #retiretech
The Most Innovative Companies Shaping The Future Of The Industry
SPYLGLAZ SUREIFY THE INDEX STANDARD
Spyglaz is a platform for proactive customer Sureify is modernizing the life insurance and annuity The Index Standard provides index ratings and
retention serving the insurance and asset industry by helping companies service, engage, and forecasts that aim to make your index and ETF
management industries. Spyglaz enables better live sell to their customers with one enterprise platform. screening simpler and easier. They are independent
customer conversations by using machine learning of index and product issuers. Their ratings and
https://sureify.com
to predict future customer loss, when retention Category: Institution Enabler
forecasts are the result of meticulous analysis
action is required and identifies upsell/cross-sell designed by industry veterans and their goal is to
opportunities. provide clarity and awareness that enables you to
make sound decisions, leading to better outcomes.
https://spyglaz.com
Category: Institution Enabler https://www.theindexstandard.com
Category: Product Selectors
STASH SYMEND TOMORROW
Stash is pioneering the future of personal finance Symend’s science-driven digital engagement Tomorrow Ideas is a mobile application that
with the first financial subscription that helps people platform enables service providers and financial combines legal, financial and insurance services
create better lives. From budgeting to saving for institutions to better engage their at-risk customers to organize family finances and help families make
retirement, Stash unites banking, investing, and with empathy, contributing to the dignity and decisions for the future. Its application includes
advice all in one app that has helped more than welfare of individuals while building lifelong value last will and testament for the family and the laws
5M people reach theirfinancial goals and make for the company and the brand. of the state, a revocable living trust, guardianship
progress towards financial freedom. for children and pets, net worth and life insurance
https://symend.com
calculator, term life insurance comparison, and a
https://www.stash.com Category: Savings for Millennials
Category: Savings for Millennials
complimentary insurance policy.
https://tomorrow.me
Category: Savings for Millennials
Company Detail - Page 16Innovation in #retiretech
The Most Innovative Companies Shaping The Future Of The Industry
TRUELINK UNEST VOYANT
True Link is a diversified financial services firm UNest is an app democratizing access to smart Voyant offers a holistic, fully integrated view of
dedicated to protecting and increasing our financial solutions for all families. It helps parents financial planning. With Voyant, financial planning
customers’ independence and quality of life. True build a better financial future for their children. is personal. They use engaging visuals to inspire
Link provides greater independence and autonomy In five minutes, you can open a UTMA account your clients to discover and share their exact goals.
to people who are at financial risk when engaging for your child and no paperwork is required. They also help you reveal your clients’ path to
with the world. All members receive access to advisor-guided achievement in a way you can both see clearly - in
investment plans, the app’s simple gifting feature, real time.
https://www.truelinkfinancial.com
UNest Rewards and they can easily set up recurring
Category: Savings for Millennials https://www.planwithvoyant.com
contributions. Category: Planning Tools For Advisors
https://unest.co
Category: Savings for Millennials
TRUELYTICS VANTIK WINK, INC.
Truelytics is a B-to-B Enterprise SAAS startup, Vantik: Retirement planning and saving money Wink, Inc. is a market research firm that tracks
pioneering the Advisor Transition Management made easy and flexible. Their vision is a simple and life insurance and annuity companies, their
platform. Truelytics is the first end-to-end data- secure private pension that is as flexible as life itself, products, features, rates, and sales. In short, we
driven platform to help wealth management their mission is to inspire millennials saving for their provide accurate, thorough, timely, and compliant
enterprises recruit, grow, and retain businesses future. product information on life insurance contracts
while reducing time and costs related to transitions. and annuities. We offer full-service competitive
https://vantik.com
intelligence for life insurance and annuity home
https://www.truelytics.com Category: Retirement Planning for Boomers
Category: Planning Tools For Advisors
offices, distributors, sales professionals, and
consulting firms.
https://www.winkintel.com/
Category: Product Selectors
Company Detail - Page 17Innovation in #retiretech
The Most Innovative Companies Shaping The Future Of The Industry
WIZEST
Build a Team You Trust with Wizest. Browse their
universe of financial experts - Leaderboards, expert
profiles, and performance history make it easy to
choose. Add experts to your team and copy their
portfolios in one click.
https://wizestapp.com
Category: Retirement Planning for Boomers
WORTHRIGHT
Worthright helps families and professionals
quickly understand what a family can afford as
they transition through a post-retirement life.
Worthright’s team of specialists can help find
income from existing assets, reduce the the cost of
basic bills or insurance premiums and advocate for
a family throughout the entire process.
https://www.worthright.com
Category: Retirement Planning for Boomers
Company Detail - Page 18You can also read
