Silvur
Silvur is a B2B2C retirement financial wellness platform that helps U.S. credit unions and financial institutions deliver personalized retirement planning tools, including its patent-pending Retirement Score, to members age 50+ through white-label and embedded mobile banking integrations.
- Company typePrivate
- Founded2016
- HeadquartersNew York, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Silvur does
Silvur Technology Services, Inc. is a Delaware-incorporated, privately held financial technology company headquartered in Claymont, Delaware, that operates a B2B2C retirement financial wellness platform targeted at credit unions and community financial institutions. The company's flagship product, Retirement Simplified, is delivered as a white-labeled, embedded experience that financial institutions offer to their members, primarily those aged 50–70 approaching retirement. Silvur's core proprietary assets are two patent-pending technologies — SmartDraw and the Retirement Score — which ingest tens of thousands of variables including Social Security rules, Medicare parameters, inflation, cost of living, capital market assumptions, and zip-code-level data to produce a personalized score indicating how long a member's money will last in retirement.
The platform's product surface includes the Retirement Score, a Social Security Calculator, Federal and State Taxation of Social Security Calculators, structured educational courses under the "Retirement School" brand, short-form videos, partner data dashboards, and white-labeled Medicare support delivered through the wholly-owned subsidiary Silver Insurance Services LLC (branded Silvur Insurance). Silvur distributes through embedded integrations with Alkami and Jack Henry mobile banking platforms, direct white-label platform licensing to credit unions and financial institutions, and association-level partnerships such as the MD|DC Credit Union Association.
The revenue model combines B2B platform licensing/subscription fees from institutional partners (primary), direct consumer Premium Service subscriptions on a freemium basis (secondary), and Medicare support services revenue through Silvur Insurance. Named enterprise customers include MSUFCU, Golden 1 Credit Union, InTouch Credit Union, Idaho Central Credit Union, ITCU, Mission Fed, and Curql. The company is led by founder and CEO Rhian Horgan, holds SOC 2 Part II certification, and in December 2025 raised approximately $3.75M from 8 investors under a Rule 506(b) exempt offering filed with the SEC in February 2026.
Silvur firmographics
Firmographics- Name
- Silvur
- Legal name
- Silvur Technology Services, Inc.
- Website
- https://silvur.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Silvur is a B2B2C retirement financial wellness platform that helps U.S. credit unions and financial institutions deliver personalized retirement planning tools, including its patent-pending Retirement Score, to members age 50+ through white-label and embedded mobile banking integrations.
- Ownership category
- akta.pro rank
Silvur industry classification
Industry- Product category
- Retirement Financial Wellness Software
- NAICS
- Insurance Carriers (5241)
- SIC
- Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Retirement Planning & Long-Term Financial Planning Tools (FSAGADAI)
- akta.pro secondary industries
- Digital Retirement Platforms (IRA/401(k), Pension & Decumulation) (FSAGAEAF), Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)
Keywords
Where Silvur is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Silvur business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- B2B Platform Licensing (Primary): Silvur sells its Retirement Simplified platform to credit unions and financial institutions via subscription/licensing agreements. Financial institutions white-label the platform and offer it free to members. Revenue is generated through recurring platform fees paid by institutional partners.
- Premium Service Subscriptions: Individual consumers can subscribe to Premium Service with auto-renewal (monthly or multi-month prepayment plans). Premium Service offers enhanced functionality beyond the Basic free tier. The company retains subscription fees from direct consumer subscriptions.
- Medicare Support Services: Through Silvur Insurance (affiliated entity Silver Insurance Services LLC), the company provides white-labeled Medicare support services to credit unions, expanding retirement offerings and generating referral or service revenue.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Others | Basic Service (Free) — limited functionality account for individual consumers |
| Subscription | Monthly | Premium Service — paid subscription with enhanced features and functionality |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels9 records
Silvur product offering
Product offeringCore offering
Silvur sells a white-labeled Retirement Financial Wellness platform called Retirement Simplified to credit unions and financial institutions. The platform centers on patent-pending SmartDraw technology and the proprietary Retirement Score, combining Social Security and Medicare calculators, structured education courses, and personalized guidance that members can access embedded within their credit union's mobile banking app. It also offers direct consumer subscriptions to a Premium Service tier and Medicare support through its affiliated Silvur Insurance subsidiary.
Product overview
Silvur offers Retirement Simplified as its core white-labeled platform for credit unions and financial institutions. The platform is built around the patent-pending SmartDraw technology which powers the proprietary Retirement Score. Educational offerings include structured classes through Retirement School (covering Social Security, Medicare, and tax topics) and various calculators (Social Security Calculator, Federal Taxation Calculator, State Taxation Calculator). Medicare support is available through the Silvur Insurance sub-brand. The platform embeds directly into partner mobile banking through Alkami and Jack Henry integrations, and includes partner dashboards for data-driven engagement tracking.
Differentiator
Problem solved
Functional benefit
Brands
- Silvur Insurance: Medicare services for credit unions, operated by Silver Insurance Services LLC. Offers personalized tools, education, and one-on-one guidance to help members navigate Medicare.
- Retirement Score
- SmartDraw
Products and services
- Retirement Simplified
- Silvur Insurance (Medicare for Credit Unions)
Quantifiable outcome
- Over 120,000 Americans guided through retirement preparation using Silvur's tools and guides
- +4 more outcomes
Companies that use Silvur
Customer profileNamed customers7 records
Segments2 records
Ideal customer profiles2 records
Silvur technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability5 records
Feature6 records
Silvur partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and flagship.
- MD|DC Credit Union AssociationcoreThe MD|DC Credit Union Association is partnering with fintech firms to help credit unions stay competitive against larger banks, allowing them to leverage technology without extensive internal resources.
- AlkamicoreSilvur is embedded in the Alkami mobile banking platform, enabling financial institutions to provide retirement guidance to members every time they log in. This deep integration allows credit unions to expand their share of the retirement wallet through embedded financial wellness tools.
- Idaho Central Credit Union (ICCU)flagshipSilvur integrates with ICCU through Alkami to provide an embedded retirement experience for ICCU members. ICCU representatives (Edward F. Tierney, Michael Watson) participate in company events like the Pickle Baller Invitational.
- Jack HenrycoreSilvur collaborates with Jack Henry to guide Americans age 50+ through key retirement decisions. The integration enables Jack Henry's credit union客户 to access Silvur's retirement planning tools and education within their existing banking infrastructure.
- MD|DC Credit Union AssociationcoreThe MD|DC Credit Union Association is partnering with fintech firms including Silvur to help credit unions stay competitive against larger banks. These collaborations range from improving account opening systems to offering financial planning tools.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Silvur competitors and assessment
Company assessmentBroad incumbents
- SmartAsset: SmartAsset is a large consumer personal-finance marketplace that includes Social Security and retirement calculators. While not white-labeled to credit unions, it overlaps with Silvur on retirement planning content and tools and serves the same end-user persona.
- Empower (Personal Capital): Empower owns Personal Capital, a retirement/wealth planning dashboard widely used by retail investors. Competes with Silvur on personalized retirement score/dashboard functionality but serves a higher-AUM, primarily self-directed customer base.
Others
- MX Technologies: MX provides data aggregation and financial data infrastructure to credit unions and banks. It is a potential ecosystem partner or competitor for embedded financial wellness surfaces within the same credit union mobile banking apps.
- Atomic: Atomic is a fintech infrastructure provider enabling account verification, payroll, and asset connectivity for financial institutions. Adjacent to Silvur's retirement-data ambitions via its embedded API layer in the same FI partners.
Direct peers
- LearnLux: LearnLux is a financial wellness platform primarily sold to employers, but with overlap in credit unions and community FIs. Competes on similar personalized retirement guidance, benefits navigation, and integration with core platforms.
- Boldin (formerly NewRetirement): Boldin is a retirement planning platform that offers both direct-to-consumer tools and a financial-institution channel. It directly competes with Silvur's Retirement Simplified platform across the same white-label financial wellness category.
- Income Lab: Income Lab provides retirement income planning software for financial advisors and institutions, with similar personalization depth and a comparable target buyer profile to Silvur's credit union partners.
Emerging players
- Vestwell: Vestwell is a digital retirement platform enabling recordkeeping for employer-sponsored plans. Different model (recordkeeping vs. financial wellness), but adjacent in targeting the same retirement-plan participant audience.
- Trust & Will: Trust & Will is a digital estate planning platform with a financial-institution channel. Adjacent rather than direct, but competes for the same retirement-era consumer wallet and FI partnerships.
- Wealth.com: Wealth.com is an estate and retirement planning fintech for financial advisors with white-label capabilities. Overlaps with Silvur on the retirement side and on the B2B channel to financial institutions.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Silvur social profiles
Digital presenceSilvur compliance and trust
Trust signalCompliance1 record
Silvur financial estimates
Financial estimateRevenue estimate
Valuation estimate
Silvur leadership team
Management profileNumber of profiles
Profiles3 records
Silvur subsidiaries and ownership
Company hierarchySubsidiaries2 records
Silvur funding detail
Funding detailFunding overview
Funding rounds3 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Silvur M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Silvur
What does Silvur do?
Silvur sells a white-labeled Retirement Financial Wellness platform called Retirement Simplified to credit unions and financial institutions. The platform centers on patent-pending SmartDraw technology and the proprietary Retirement Score, combining Social Security and Medicare calculators, structured education courses, and personalized guidance that members can access embedded within their credit union's mobile banking app. It also offers direct consumer subscriptions to a Premium Service tier and Medicare support through its affiliated Silvur Insurance subsidiary.
Is Silvur a public or private company?
Silvur is a private company. It is classified as venture growth investor backed and is currently operating.
When was Silvur founded?
Silvur was founded in 2016. It employs 11 to 50 people.
Where is Silvur based?
Silvur is headquartered in New York, United States, in the North America region.
How does Silvur make money?
Three revenue lines are on record. B2B Platform Licensing (Primary) is the primary driver. The others are premium Service Subscriptions and medicare Support Services.
Who are Silvur's main competitors?
Broad incumbents on record are SmartAsset and Empower (Personal Capital). Others are MX Technologies and Atomic. Direct peers are LearnLux, Boldin (formerly NewRetirement) and Income Lab. Emerging players are Vestwell, Trust & Will and Wealth.com.
Does Silvur have an API?
No public API is recorded for Silvur.
What industry is Silvur in?
Silvur's product category is Retirement Financial Wellness Software. Its primary akta.pro industry code is FSAGADAI, Retirement Planning & Long-Term Financial Planning Tools, with a secondary code of FSAGAEAF, Digital Retirement Platforms (IRA/401(k), Pension & Decumulation). Its NAICS code is 5241 and its SIC code is 6399.