“Can a vertically-integrated, in-house 401(k) recordkeeper win the SMB retirement market by embedding into payroll and advisor distribution channels?”
Founded 2018 after co-founder Dan Beck couldn't find a workable 401(k) plan for his own small business, 401GO built a vertically-integrated, in-house recordkeeping and administration platform targeting the underserved SMB market. The strategy is explicitly differentiated against legacy providers (and even modern competitors like Guideline/Human Interest) by owning the full technology stack rather than depending on third-party recordkeepers. The 2025 Series B is being deployed to scale embedded distribution through HCM (payroll) providers, financial advisors, and financial institutions — positioning 401GO as both a direct provider and an embedded retirement infrastructure layer.
401GO moves money over ACH.
401GO integrates with QuickBooks.
The Embedded Finance Index 2026 maps 3 layers in 401GO's stack: Money movement (ACH); Unified APIs (Finch); Accounting (QuickBooks).
401GO was founded by Dan Beck, Nate Beck and Jared Porter and is founded in 2018, headquartered in Sandy, UT, United States.
401GO has raised ~$48M+ in total (latest round: Series B, December 2025).
Get a read on where your own stack stands against 401GO and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.