RetireOne
RetireOne is a fee-based, no-load insurance and annuity distribution platform that acts as agent of record for U.S. registered investment advisors, aggregating products from 15+ carriers and embedding annuity data into advisor portfolio software; acquired by Simplicity Group in October 2025.
- Company typePrivate
- Founded2011
- HeadquartersSan Francisco, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What RetireOne does
RetireOne is a U.S.-based, fee-based insurance and annuity distribution platform headquartered in San Francisco, founded in 2011 by David Stone and Scott Strait. The company serves registered investment advisors (RIAs) and financial advisors by acting as the agent of record on their behalf, enabling fiduciaries to access a marketplace of no-load, commission-free insurance and annuity solutions without holding their own insurance licenses. The platform's product surface spans variable annuities, registered index-linked annuities, fixed annuities, fixed index annuities, multi-year guaranteed annuities (MYGAs), single premium immediate annuities (SPIAs), term and permanent life insurance, long-term care, and disability coverage, anchored by the Constance Group Contingent Deferred Annuity issued by Midland National Life Insurance Company.
The underlying technology is a distribution and data-integration layer rather than a proprietary underwriting or AI engine. Core integrations with DST and DTCC allow client annuity assets to surface within advisor portfolio management software and client statements, embedding RetireOne into the RIA back-office workflow. Securities are offered through RetireOne Investment Services, LLC, a FINRA/SIPC member registered in all 50 states, while non-registered insurance products are sold by RetireOne, Inc., a Kentucky-licensed insurance agency. The platform aggregates 15+ insurance carriers including Allianz Life, Pacific Life, Nationwide, Jackson, Corebridge Financial, Equitable, Transamerica, MassMutual Ascend, Symetra, and Sammons Financial Network.
RetireOne operates a B2B2C revenue model in which insurance carriers pay the platform nominal administration and service fees in exchange for marketplace access and distribution. End-advisor and end-client usage is free of charge, and products are positioned as no-load with M&E fees of 0.20%-0.50% versus a traditional 1.32% benchmark (Morningstar 12/18), with underlying investment options from Vanguard and DFA at expense ratios as low as 0.03%. On October 13, 2025, Simplicity Financial Marketing Holdings Inc. (Simplicity Group) completed its acquisition of RetireOne, with founders David Stone, Jeff Cusack, and Ed Mercier transitioning to partner roles at Simplicity Group and the platform now operating under the Simplicity OID (Outsourced Insurance Desk) brand.
RetireOne firmographics
Firmographics- Name
- RetireOne
- Legal name
- RetireOne, Inc.
- Website
- https://retireone.com
- Company type
- Private
- Founded year
- 2011
- Operating status
- Acquired
- Headcount range
- 11–50 employees
- Short description
- RetireOne is a fee-based, no-load insurance and annuity distribution platform that acts as agent of record for U.S. registered investment advisors, aggregating products from 15+ carriers and embedding annuity data into advisor portfolio software; acquired by Simplicity Group in October 2025.
- Ownership category
- akta.pro rank
RetireOne industry classification
Industry- Product category
- Annuity and Insurance Distribution Platform
- NAICS
- Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411), Life Insurance (6311)
- akta.pro primary industry
- Annuities & Investment-Linked Insurance Solutions (Retail) (FSAAAAAM)
- akta.pro secondary industries
- Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH), Retirement Income Planning & Decumulation Advisory (FSAEABAD)
Keywords
Where RetireOne is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Markets served
RetireOne business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Insurance carrier administration and service fees: Simplicity OID (RetireOne) is paid a nominal administration and service fee by insurers to support the platform through which these products are offered to advisors and their clients. This is a B2B2C model where insurance carriers pay for marketplace access and distribution.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | No-load commission-free insurance and annuity products |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels1 record
RetireOne product offering
Product offeringCore offering
RetireOne, operating as Simplicity OID (Outsourced Insurance Desk), provides an independent, fee-based marketplace of no-load insurance and annuity solutions exclusively for Registered Investment Advisors (RIAs) and financial advisors. The platform distributes commission-free annuities (variable, registered index-linked, fixed, fixed index, MYGAs, SPIAs), life insurance (term, permanent), long-term care, and disability products from multiple insurance carriers, acting as agent of record so advisors do not need their own insurance licenses. As of October 13, 2025, RetireOne operates as a subsidiary of Simplicity Group following its acquisition.
Product overview
RetireOne is an independent fee-based insurance platform that was acquired by Simplicity Group (completed October 13, 2025) and operates as part of Simplicity OID (Outsourced Insurance Desk). The platform provides a comprehensive marketplace of no-load, commission-free insurance and annuity solutions exclusively for Registered Investment Advisors (RIAs). The core offering includes the Constance Group Contingent Deferred Annuity (distributed by RetireOne Investment Services), variable annuities, registered index-linked annuities, fixed annuities, fixed index annuities, multi-year guaranteed annuities (MYGAs), and single premium immediate annuities (SPIAs). Additionally, the platform offers life insurance products including term life, permanent life, long-term care, and disability insurance. All products feature no-load, zero-commission structures with low-cost underlying investment options, positioning RetireOne/Simplicity OID as a fiduciary-focused marketplace connecting RIAs with insurance carriers without acting in the insurance companies' interests.
Differentiator
Problem solved
Functional benefit
Products and services
- Constance Group Contingent Deferred Annuity A contingent deferred annuity issued by Midland National Life Insurance Company (part of Sammons Financial Group), distributed by RetireOne Investment Services. The product is designed to protect investors from outliving their assets by providing a limited form of insurance against depletion of covered assets during the policyholder's lifetime.
- Variable Annuities Low-cost, no-load variable annuity solutions offering lifetime income without annuitization, with underlying investment options from Vanguard and DFA featuring expense ratios as low as 0.03%.
- Registered Index-Linked Annuities No-load indexed annuity products providing market-linked growth potential with principal protection features for RIA clients.
- Fixed Annuities No-load fixed annuity solutions offering principal protection against market volatility with stable, guaranteed returns.
- Fixed Index Annuities No-load fixed indexed annuities providing principal protection while allowing participation in market index gains.
- Multi-Year Guaranteed Annuities (MYGAs) No-load MYGA products offering guaranteed fixed rates over multiple years with no surrender penalties.
- Single Premium Immediate Annuities (SPIAs) Immediate annuity products providing reliable, sustainable retirement income streams for clients.
- Term Life Insurance Affordable term life insurance products available through the insurance program for RIA clients.
- Permanent Life Insurance Permanent life insurance solutions including whole life and universal life options for long-term coverage needs.
- Long-Term Care Insurance Insurance coverage for long-term care needs including nursing and assisted living facility expenses.
- Disability Insurance Long-term disability insurance products protecting income for clients unable to work due to illness or injury.
- Supplemental Insurance Products Additional supplemental insurance products available for clients of RIA firms served by Simplicity OID.
Quantifiable outcome
- M&E fees range from 0.20% to 0.50%, compared to traditional products averaging 1.32%
- +1 more outcomes
Companies that use RetireOne
Customer profileSegments1 record
Ideal customer profiles1 record
RetireOne technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
RetireOne partnerships and signals
Strategic signalPartnerships
19 partnerships are on record, tiered core and minor.
- Simplicity GroupcoreSimplicity Group completed acquisition of RetireOne on October 13, 2025, to enhance its financial solutions and expand insurance offerings. The acquisition expands Simplicity Group's insurance solutions for financial institution clients.
- Midland National Life Insurance CompanycoreIssues the ConstanceSM Group Contingent Deferred Annuity distributed by RetireOne Investment Services. Located in West Des Moines, Iowa. Part of Sammons Financial Group Inc.
- Sammons Financial Network, LLCcoreUnderwriter of the ConstanceSM Group Contingent Deferred Annuity. Member FINRA. Part of Sammons Financial Group Inc.
- Allianz LifeminorPlatform partner offering insurance products through Simplicity OID marketplace.
- American LifeminorPlatform partner offering insurance products through Simplicity OID marketplace.
- AmeritasminorPlatform partner offering insurance products through Simplicity OID marketplace.
- Corebridge FinancialminorPlatform partner offering insurance products through Simplicity OID marketplace.
- EquitableminorPlatform partner offering insurance products through Simplicity OID marketplace.
- GainbridgeminorPlatform partner offering insurance products through Simplicity OID marketplace.
- GILICOminorPlatform partner offering insurance products through Simplicity OID marketplace.
- JacksonminorPlatform partner offering insurance products through Simplicity OID marketplace.
- MassMutual AscendminorPlatform partner offering insurance products through Simplicity OID marketplace.
- Midland AdvisoryminorPlatform partner offering insurance products through Simplicity OID marketplace.
- NationwideminorPlatform partner offering insurance products through Simplicity OID marketplace.
- Pacific Life InsuranceminorPlatform partner offering insurance products through Simplicity OID marketplace.
- ProtectiveminorPlatform partner offering insurance products through Simplicity OID marketplace.
- SymetraminorPlatform partner offering insurance products through Simplicity OID marketplace.
- TIAA LifeminorPlatform partner offering insurance products through Simplicity OID marketplace.
- TransamericaminorPlatform partner offering insurance products through Simplicity OID marketplace.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
RetireOne competitors and assessment
Company assessmentDirect peers
- DPL Financial Partners: Commission-free insurance and annuity platform exclusively serving RIAs, with a similar agent-of-record model and carrier-neutral positioning. Most directly comparable competitor in the same niche.
- Luma Financial Technologies: Fee-based annuity and insurance platform built for financial advisors, offering a marketplace of no-load products. Direct overlap in RIA-focused annuity distribution.
- Blueprint Income: Online annuity marketplace helping advisors and consumers compare and purchase income annuities, including SPIAs. Comparable digital annuity distribution approach.
Emerging players
- IncomeLab: Retirement income planning software and research platform for advisors. Adjacent rather than directly competitive but serves the same advisor workflow around decumulation.
- Income Discovery: Specialist annuity platform focused on income annuities for financial advisors, with similar low-cost orientation. Overlaps in the SPIA/MyGA portion of RetireOne's product set.
Broad incumbents
- FIGURE: Fintech offering annuities, home equity, and blockchain financial products. Operates an insurance/annuity arm that intersects RetireOne's product categories but serves a broader consumer market.
- Policygenius: Large online insurance marketplace distributing life, disability, and other coverage. Overlaps with RetireOne's life insurance and supplemental product offerings but primarily serves consumers rather than RIAs.
- Haven Life: Digital-first life insurance agency backed by MassMutual. Comparable life insurance distribution model though not annuity-focused.
- Brighthouse Financial: Large insurance carrier offering annuities and life insurance with dedicated RIA distribution programs. Represents the carrier-side alternative to third-party marketplaces like RetireOne.
- Lincoln Financial Group: Diversified insurance and annuity carrier with established RIA and fee-based advisory distribution. Competes on the same shelf space via direct carrier relationships.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
RetireOne social profiles
Digital presenceRetireOne compliance and trust
Trust signalCompliance3 records
RetireOne financial estimates
Financial estimateRevenue estimate
Valuation estimate
RetireOne leadership team
Management profileNumber of profiles
Profiles3 records
RetireOne funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
RetireOne 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 RetireOne
What does RetireOne do?
RetireOne, operating as Simplicity OID (Outsourced Insurance Desk), provides an independent, fee-based marketplace of no-load insurance and annuity solutions exclusively for Registered Investment Advisors (RIAs) and financial advisors. The platform distributes commission-free annuities (variable, registered index-linked, fixed, fixed index, MYGAs, SPIAs), life insurance (term, permanent), long-term care, and disability products from multiple insurance carriers, acting as agent of record so advisors do not need their own insurance licenses. As of October 13, 2025, RetireOne operates as a subsidiary of Simplicity Group following its acquisition.
Is RetireOne a public or private company?
RetireOne is a private company. It is classified as corporate owned and is currently acquired.
When was RetireOne founded?
RetireOne was founded in 2011. It employs 11 to 50 people.
Where is RetireOne based?
RetireOne is headquartered in San Francisco, United States, in the North America region.
How does RetireOne make money?
One revenue line is on record: insurance carrier administration and service fees.
Who are RetireOne's main competitors?
Direct peers on record are DPL Financial Partners, Luma Financial Technologies and Blueprint Income. Emerging players are IncomeLab and Income Discovery. Broad incumbents are FIGURE, Policygenius, Haven Life, Brighthouse Financial and Lincoln Financial Group.
Does RetireOne have an API?
No public API is recorded for RetireOne.
What industry is RetireOne in?
RetireOne's product category is Annuity and Insurance Distribution Platform. Its primary akta.pro industry code is FSAAAAAM, Annuities & Investment-Linked Insurance Solutions (Retail), with a secondary code of FSAEABAH, Annuity & Insurance-Based Retirement Solutions Advisory. Its NAICS code is 52421 and its SIC code is 6411.