Beagle
Beagle is a US fintech platform that helps individuals locate forgotten 401(k) accounts from former employers, analyze hidden fees, and consolidate retirement savings through subscription memberships, while offering API and partnership products to financial advisors.
- Company typePrivate
- Founded2021
- HeadquartersLos Altos, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
What Beagle does
Beagle is a US-based financial technology platform that helps individuals locate forgotten 401(k) accounts from former employers and consolidate their retirement savings. The company addresses a structural market problem, with over $3.1 trillion in retirement assets left behind at old jobs according to its own materials, and targets both individual consumers with multiple job changes and financial advisors seeking to grow assets under management by bringing in held-away retirement assets. Founded in 2021, the company is headquartered in San Francisco, California, and operates as a private, venture-backed fintech with a team of 1-10 employees focused exclusively on the US market.
The platform's core technology is a proprietary retirement account search that links to a user's social security number to identify accounts across former employers, forced transfer IRAs, and state unclaimed property databases, with the company claiming up to 2x more accounts found than closed alternatives. The product suite comprises a 401(k) Search Service, a Hidden Fee Analyzer, a Concierge Rollover Service reportedly achieving 50-60% higher completion rates than self-directed flows, and 401(k)/IRA Loan Access at 0% net interest. Underlying infrastructure relies on Plaid for account linking, AWS for hosting, Stripe and PayPal for payments, and Apex Clearing Corporation for custody and clearing. Investment advisory services are delivered through Beagle Invest, LLC, a wholly-owned subsidiary operating as an SEC-registered investment advisor.
Beagle operates a hybrid go-to-market combining a direct-to-consumer channel (self-service signup on meetbeagle.com with a 3-minute onboarding) and an enterprise/partner channel for financial advisors via API access, co-branded pages, and embedded widgets. Revenue mechanics include subscription-based membership plans billed monthly, quarterly, or annually with auto-renewal and non-refundable terms, paid 401(k) search and rollover services, partner API subscriptions, and AUM-based advisory fees generated through the SEC-registered subsidiary. Customer acquisition relies on SEO-driven content marketing, organic social media across Instagram/Facebook/Twitter/LinkedIn, and direct sales outreach to financial advisor partners.
Beagle firmographics
Firmographics- Name
- Beagle
- Legal name
- Beagle Financial Services, Inc.
- Website
- https://meetbeagle.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Beagle is a US fintech platform that helps individuals locate forgotten 401(k) accounts from former employers, analyze hidden fees, and consolidate retirement savings through subscription memberships, while offering API and partnership products to financial advisors.
- Ownership category
- akta.pro rank
Beagle industry classification
Industry- Product category
- Retirement Account Management Software
- NAICS
- Portfolio Management and Investment Advice (52394), Portfolio Management and Investment Advice (523940)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD)
- akta.pro secondary industries
- Retirement Plan Participant Advice & Managed Accounts (FSAEABAF), Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE), Employee Benefits Brokerage & Consulting (FSAEADAC)
Keywords
Where Beagle is headquartered
LocationHeadquarters
- HQ city
- Los Altos
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Beagle business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- Beagle Membership / Investment Advisory Services: Subscription-based membership plans billed monthly, quarterly, or annually. Includes professional management account services, ongoing advisory, and access to the full suite of retirement account management tools. Auto-renewal is enabled by default. Membership fees are non-refundable once charged.
- 401(k) Search Services: Paid services including searching for lost 401(k) accounts, providing estimates of related hidden fees, setting up 401(k) rollovers to either a Beagle Account or third-party account, and scanning unclaimed property databases. May include advance payments prior to rollover completion.
- Enterprise/Partner API Access: Financial advisors and wealth management firms pay for API access to integrate Beagle's search and rollover capabilities into their existing workflows. Includes options for co-branded pages and embedded widgets with varying implementation complexity.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Beagle Membership Plan |
| Subscription | Monthly | 401(k) Search Services |
| Subscription | Annual | Enterprise/Partner Plans |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
Beagle product offering
Product offeringCore offering
Beagle is a digital platform that helps individual consumers locate forgotten 401(k) accounts, analyze hidden retirement fees, and consolidate those accounts via a full-service concierge rollover into a single IRA or new employer plan. The service also enables 0% net-interest borrowing from old 401(k)s and IRAs. For financial advisors and wealth managers, Beagle offers API access, co-branded pages, and embedded widgets to integrate the search and rollover capabilities into existing workflows. Investment advisory services are provided through Beagle Invest, LLC, an SEC Registered Investment Advisor, with clearing and custody through Apex Clearing Corporation.
Product overview
Beagle is a financial technology platform offering a unified suite of retirement account management services. The core offering consists of 401(k) Search Services (locating lost accounts via SSN, identifying hidden fees), a Concierge Rollover Service (full-service account consolidation), and 401(k)/IRA loan access at 0% net interest. For partners, Beagle provides a Partner API for deep integration, co-branded pages for instant launch, and embedded widgets for drop-in UI. Beagle Invest, LLC provides SEC-registered investment advisory services including Individual 401(k) accounts with loan provisions. The platform serves individual consumers seeking to find and consolidate retirement accounts, as well as financial advisors and wealth managers seeking to grow AUM through partner integrations.
Differentiator
Problem solved
Functional benefit
Products and services
- 401(k) Search Service Locates an individual's old 401(k) accounts linked to their social security number across former employers, automatic rollover IRAs, and state unclaimed property funds; sign-up takes approximately 3 minutes.
- 401(k) Fee Analyzer Identifies hidden fees charged to 401(k) accounts, including investment management fees, administration fees, and individual service fees, showing users how much they may be losing.
- Concierge Rollover Service Manages the entire 401(k) rollover process from initiation to completion, consolidating old 401(k)s into a single IRA or new employer plan with up to 50-60% higher completion rates compared to self-directed flows.
- 401(k)/IRA Loan Access Enables borrowing from old 401(k)s and IRAs at 0% net interest with all interest paid back to the account owner, providing an alternative to high-interest credit cards or personal loans.
- Investment Advisory Services Professional management account services delivered by Beagle Invest, LLC, an SEC Registered Investment Advisor, including Individual 401(k) accounts with loan provisions and portfolio management, supported by Apex Clearing Corporation as qualified custodian.
- Partner API Direct programmatic access to Beagle's retirement account search and rollover capabilities for partner integration into financial advisor and wealth management workflows, providing deep integration options.
- Co-branded Page Beagle-hosted retirement account search and rollover experience with shared branding that allows partner firms to launch quickly without engineering investment.
- Embedded Widgets Pre-built, embeddable UI components for 401(k) search and rollover that can be dropped into partner products while maintaining a consistent, optimized user experience.
Quantifiable outcome
- 2.5 accounts found per person on average
- +5 more outcomes
Companies that use Beagle
Customer profileNamed customers7 records
Segments3 records
Ideal customer profiles3 records
Beagle technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature4 records
Beagle partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and supporting.
- Apex Clearing CorporationcoreThird-party SEC registered broker-dealer and member FINRA/SIPC that provides clearing and execution services and serves as qualified custodian for advisory assets of Beagle Invest, LLC clients. Securities in accounts are protected up to $500,000 through SIPC.
- Plaid Inc.coreUsed for account linking services and to gather user data from financial institutions. This data includes historical and ongoing information including transaction information from sub-accounts. Users grant Beagle and Plaid the right to act on their behalf to access and transmit personal and financial information.
- StripesupportingPayment processor used for processing payments for Beagle products and services. Adheres to PCI-DSS standards for secure handling of payment information.
- PayPalsupportingAlternative payment processor available for processing payments for Beagle products and services.
- Amazon Web Services (AWS)supportingThird-party data hosting services provider used to host Beagle's services on servers located in the United States.
- Google AnalyticssupportingThird-party analytics tool used to monitor and analyze use of Beagle's services and collect usage information. Used to improve services and track website traffic.
- Amplitude AnalyticssupportingAnalytics service used alongside Google Analytics to monitor and analyze use of Beagle's services and collect usage information for service improvement.
Scale indicators9 records
Recent moves6 records
Expansion highlights5 records
Beagle competitors and assessment
Company assessmentDirect peers
- Capitalize for Tomorrow: Direct competitor offering a 401(k) finder, rollover concierge, and fee-analysis service for individuals with old workplace retirement accounts — the closest product overlap to Beagle.
Broad incumbents
- Empower Retirement: Large retirement plan recordkeeper and personal retirement platform that acquired Capitalize and now offers its own held-away-asset search and consolidation, competing head-on with Beagle's consumer value proposition.
- Betterment: Large robo-advisor and IRA platform that already absorbs 401(k) rollovers from multiple providers, offering a competing destination account for users Beagle funnels into rollovers.
- Schwab (Charles Schwab): Major brokerage and IRA custodian with broad retirement rollover tools and advisor services; competes with Beagle for end-user rollover flows and partner-advisor integrations.
- Fidelity Investments: Large custodian offering 401(k) rollover into Fidelity IRAs and held-away-asset consolidation tools; a competing destination and incumbent in Beagle's category.
- Wealthfront: Robo-advisor with strong rollover-into-Wealthfront-IRA mechanics and cash management; serves as a competing destination for the rollover flows Beagle originates.
Emerging players
- Blooom: Digital advisory service focused on optimizing 401(k) accounts for individuals, overlapping with Beagle on the fee-analysis and retirement-improvement use case for the same consumer persona.
- Guideline: Tech-enabled 401(k) provider for small and mid-sized businesses; serves plan sponsors and participants in the same retirement ecosystem Beagle targets through its partner and rollover offerings.
- Vestwell: Recordkeeping and administration platform for workplace retirement plans, including advisor-led programs; adjacent to Beagle's retirement infrastructure and shared advisor-channel distribution.
- Human Interest: Modern, tech-forward 401(k) provider for small businesses; overlaps with Beagle on serving employees navigating workplace retirement accounts and consolidations.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Beagle social profiles
Digital presenceBeagle compliance and trust
Trust signalCompliance3 records
Beagle financial estimates
Financial estimateRevenue estimate
Valuation estimate
Beagle leadership team
Management profileNumber of profiles
Profiles6 records
Beagle subsidiaries and ownership
Company hierarchySubsidiaries1 record
Beagle funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Beagle 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 Beagle
What does Beagle do?
Beagle is a digital platform that helps individual consumers locate forgotten 401(k) accounts, analyze hidden retirement fees, and consolidate those accounts via a full-service concierge rollover into a single IRA or new employer plan. The service also enables 0% net-interest borrowing from old 401(k)s and IRAs. For financial advisors and wealth managers, Beagle offers API access, co-branded pages, and embedded widgets to integrate the search and rollover capabilities into existing workflows. Investment advisory services are provided through Beagle Invest, LLC, an SEC Registered Investment Advisor, with clearing and custody through Apex Clearing Corporation.
Is Beagle a public or private company?
Beagle is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Beagle founded?
Beagle was founded in 2021. It employs 11 to 50 people.
Where is Beagle based?
Beagle is headquartered in Los Altos, United States, in the North America region.
How does Beagle make money?
Three revenue lines are on record. Beagle Membership / Investment Advisory Services are the primary driver. The others are 401(k) Search Services and enterprise/Partner API Access.
Who are Beagle's main competitors?
Capitalize for Tomorrow is listed as a direct peer. Broad incumbents are Empower Retirement, Betterment, Schwab (Charles Schwab), Fidelity Investments and Wealthfront. Emerging players are Blooom, Guideline, Vestwell and Human Interest.
Does Beagle have an API?
Yes. Direct programmatic access to Beagle's retirement account search and rollover capabilities, designed for partner integration into existing workflows. Includes full control and deep integration options for financial advisors and wealth management platforms.
What industry is Beagle in?
Beagle's product category is Retirement Account Management Software. Its primary akta.pro industry code is FSAEAAAD, Retirement & Pension Planning (401(k)/IRA), with a secondary code of FSAEABAF, Retirement Plan Participant Advice & Managed Accounts. Its NAICS code is 52394 and its SIC code is 6282.