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There is a $6.6 trillion hole in America’s retirement fund. Half of all workers aren’t saving anything, and only 1 in 2 actually have access to a work-place retirement plan. Of the companies that offer 401(k)s, over half of their employees aren’t satisfied, and high fees cost retirees $100,000s.

We believe everyone should have access to a retirement plan offering bespoke low-cost investments, without burdening their employers with excessive cost or legal and admin hassle.

Founding Team


Rikin Shah

Co-founder & CEO

Rikin is an expert in algorithmic trading and risk management. He was responsible for trading $6 billion daily and developing trading algorithms at UBS for large pension fund clients. He has a Bachelor of Engineering in Computing from Imperial College London and holds a Series 65 license. He enjoys road biking and snowboarding.


Dharmesh Malam

Co-founder & CTO

Dharmesh built quantitative portfolio management software at BlackRock and Fidelity. He helped build the software that manages BlackRock’s iShares, which has over $1 trillion dollars in AUM and designed Fidelity’s quantitative equity platform. He has a Bachelor of Engineering in Computing from Imperial College London. He is a keen motorcyclist and has traveled to over 40 countries.


Jessie Li, CFA

VP of Business Development & COO

Jessie is a specialist in portfolio construction. She worked for BlackRock where she created custom investment solutions for institutional and intermediary clients. She is a Chartered Financial Analyst (CFA) and has a Bachelor of Arts in Economics from UC Berkeley. She is a trained chef, sommelier, and an avid skier.

“maximizing our retirement savings... would require cutting fees, eliminating middlemen, increasing employer contributions and getting rid of the fee structure that is based on assets under management.”
John Wasik, Forbes


We are a seed funded Y-Combinator company.