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401GO

“Can a vertically-integrated, in-house 401(k) recordkeeper win the SMB retirement market by embedding into payroll and advisor distribution channels?”

Founded2018
HQSandy, UT, United States
FoundersDan Beck, Nate Beck, Jared Porter
Total raised~$48M+
Latest roundSeries B, December 2025
IndustryVertical SaaS / Retirement (401(k) recordkeeping)
The story

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.

Last 12 months
2025-12
Product timeline
2018
401GO founded by Dan and Nate Beck to make 401(k) plans accessible to small businesses· launch
2023
Closed $12M Series A to scale fully-owned 401(k) infrastructure· funding
2024
Partnered with Finch to expand payroll integration network (Gusto, QuickBooks, etc.)· integration
2024
Heartland partnership: 401GO becomes engine behind 'Retire powered by 401GO'· partnership
2025
$33M Series B led by Centana Growth Partners to expand embedded HCM/FI partnerships· funding
The stack
3 layers disclosed in 401GO’s embedded-finance stack
Money movement
ACH
Unified APIs
in the full report
Accounting
in the full report
Accounting gap: minor
2 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.