A web and mobile app that connects to users' pension and investment accounts (or accepts manual input), analyzes current fees and performance, and recommends optimal transfer or consolidation strategies with tax-impact modeling. The platform generates pre-filled transfer forms, tracks the migration process end-to-end, and compares destination providers side-by-side with projected long-term returns net of fees and taxes.

Open finance APIs and cross-border investing have exploded, while record numbers of workers are changing jobs and accumulating fragmented retirement accounts—yet no unified tool exists to manage transfers across providers and jurisdictions.