Beagle

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.

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

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

• Retirement account search
• 401(k) rollover services
• Retirement account consolidation
• Wealth management technology
• Investment advisory platform

Headquarters

HQ city

Los Altos

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations

Revenue model

1. 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.
2. 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.
3. 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

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core 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

Named customers7 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and supporting.

• Apex Clearing CorporationcoreTechnology or IntegrationThird-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.coreTechnology or IntegrationUsed 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.
• StripesupportingTechnology or IntegrationPayment processor used for processing payments for Beagle products and services. Adheres to PCI-DSS standards for secure handling of payment information.
• PayPalsupportingTechnology or IntegrationAlternative payment processor available for processing payments for Beagle products and services.
• Amazon Web Services (AWS)supportingTechnology or IntegrationThird-party data hosting services provider used to host Beagle's services on servers located in the United States.
• Google AnalyticssupportingTechnology or IntegrationThird-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 AnalyticssupportingTechnology or IntegrationAnalytics 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

Direct 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

• Xx.com/beaglefinancial
• Facebookfacebook.com/meetbeagle
• LinkedInlinkedin.com/company/meetbeagle
• Instagraminstagram.com/meetbeagle

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Beagle