Stadion Money Management
Stadion Money Management is a Watkinsville, Georgia-based SEC-registered investment adviser founded in 1993 that provides personalized managed accounts, dynamic QDIA solutions, risk-based CITs, and proprietary middleware for U.S. defined contribution retirement plans, distributed through Lincoln Financial, Ameritas, and Morningstar Retirement.
- Company typePrivate
- Founded1993
- HeadquartersWatkinsville, United States
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Stadion Money Management does
Stadion Money Management, LLC is an SEC-registered investment adviser founded in 1993 and headquartered near Athens, Georgia, specializing in managed account services and technology for the U.S. defined contribution retirement plan market. The firm serves plan sponsors, financial advisors, and recordkeepers with a portfolio built around its StoryLine personalized managed account service, the StoryLine Dynamic hybrid QDIA (target date for younger participants, managed account for those aged 50+), StoryLine Income for post-retirement decumulation, and the Stadion Risk-Based CIT Series of six Collective Investment Trusts ranging from Maximum Growth to Capital Preservation. Underlying these offerings is Stadion Connect, a proprietary middleware platform that validates data for over 6.6 million participants and processes more than 500 million data elements daily, expected to support assets exceeding $100 billion in 2026. The investment process is anchored by the proprietary Retirement Model Risk Level (weekly Green/Yellow/Red readings) and the Flex tactical asset allocation engine, which dynamically shifts exposure among equity, fixed income, and cash positions.
The company operates as a B2B intermediary with no public pricing; revenue is generated through investment advisory and managed account fees on participant AUM, as disclosed in its Form ADV Part 2. Distribution runs primarily through enterprise channel partners — Lincoln Financial's Alliance platform, the Ameritas EliteUnlimited platform via iJoin integration, and (as of May 2026) Morningstar Retirement personalization technology delivered through Lincoln Financial — supplemented by direct relationships with plan sponsors and advisors. Stadion has been owned by Smart, a global retirement technology provider, since January 2022, while continuing to operate under its own brand and SEC registration. Benefit Trust Company serves as trustee of the Investors Master Trust for Employee Benefit Trusts, the vehicle through which the Stadion Risk-Based Funds are offered. Stadion has been named to Pensions & Investments' Best Places to Work in Money Management list for seven consecutive years (2019–2025).
Stadion Money Management firmographics
Firmographics- Name
- Stadion Money Management
- Legal name
- Stadion Money Management, LLC
- Website
- https://stadionmoney.com
- Company type
- Private
- Founded year
- 1993
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Stadion Money Management is a Watkinsville, Georgia-based SEC-registered investment adviser founded in 1993 that provides personalized managed accounts, dynamic QDIA solutions, risk-based CITs, and proprietary middleware for U.S. defined contribution retirement plans, distributed through Lincoln Financial, Ameritas, and Morningstar Retirement.
- Ownership category
- akta.pro rank
Stadion Money Management industry classification
Industry- Product category
- Retirement Managed Account Services
- NAICS
- Portfolio Management and Investment Advice (523940), Pension Funds (525110)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)
- akta.pro secondary industries
- Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE), Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD)
Keywords
Where Stadion Money Management is headquartered
LocationHeadquarters
- HQ city
- Watkinsville
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Stadion Money Management business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Others
Revenue model
- Investment Advisory and Managed Account Services: Stadion generates revenue through investment advisory fees charged for managed account services and portfolio management provided to retirement plan participants and sponsors. The firm is registered with the SEC under the Investment Advisers Act of 1940 and charges fees for its professional portfolio management, target-date solutions, and risk-based fund strategies.
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Stadion Money Management product offering
Product offeringCore offering
Stadion Money Management provides registered investment advisory services for U.S. retirement plans, centered on its StoryLine personalized managed account platform, target date solutions, and a suite of six risk-based Collective Investment Trusts (Maximum Growth through Capital Preservation). Its Stadion Connect proprietary middleware processes participant data for recordkeepers and plan sponsors, validating data for over 6.6 million participants daily and handling 500+ million data elements each day. The firm serves financial professionals, plan sponsors, plan participants, and retirement plan recordkeepers through direct enterprise relationships and platform partnerships with Lincoln Financial, Ameritas, and Morningstar Retirement.
Product overview
Stadion Money Management offers a comprehensive suite of retirement investment products and services centered around its core StoryLine managed account platform. The portfolio includes: (1) StoryLine - a personalized managed account service that creates customized investment portfolios based on individual risk tolerance and participant data; (2) StoryLine Dynamic - a dynamic QDIA combining target date funds for younger participants with managed accounts for those 50 and older; (3) StoryLine Income - a post-retirement managed account service with planning tools; (4) Stadion Risk-Based CIT Series - six Collective Investment Trust funds spanning from Maximum Growth to Capital Preservation; (5) Stadion Connect - proprietary middleware technology for data integration and validation; and (6) various managed account strategies and technology services for financial professionals. The company operates primarily as a B2B provider serving retirement plan sponsors, advisors, and recordkeepers.
Differentiator
Problem solved
Functional benefit
Brands
- StoryLine: A managed account service that provides personalized investment strategies for retirement plan participants, incorporating risk tolerance and other data points.
- TargetFit
- Stadion Connect
- Stadion Risk-Based Funds
Products and services
- Stadion Risk-Based CIT Series A suite of six Collective Investment Trust funds offering risk-based portfolio options seeking to deliver returns with managed volatility. Funds include Stadion Maximum Growth Fund, Stadion Growth Fund, Stadion Moderate Growth Fund, Stadion Balanced Fund, Stadion Conservative Fund, and Stadion Capital Preservation Fund, available through qualified retirement plans.
- StoryLine Personalized managed account service that creates customized investment portfolios for retirement plan participants based on individual risk tolerance, age, and other participant data points. Marketed under the StoryLine service mark, it functions as a QDIA and serves as the foundation for Stadion's managed account offerings.
- StoryLine Dynamic Dynamic QDIA solution that defaults participants below a set age into a target date fund and participants at or above that age into the StoryLine managed account service, evolving with participants along their retirement journey. Launched in collaboration with Lincoln Financial Group.
- StoryLine Income Post-retirement managed account service offering retirement planning calculators and tools for retirement plan participants, supporting in-plan and third party retirement income solutions. Launched in July 2024.
- Stadion Connect Proprietary middleware technology platform enabling participant data integration and validation for retirement plan recordkeepers and plan sponsors. Expected to support assets exceeding $100 billion and validate data for over 6.6 million participants daily, processing over 500 million data elements each day by 2026.
- Turnkey Managed Account Strategies Pre-configured managed account solutions designed for financial professionals to offer to retirement plan clients without bespoke portfolio construction.
- Custom Advisor Managed Account Services Tailored managed account services designed for individual financial advisor requirements and the specific needs of their retirement plan clients.
- Target Date Solution Target date investment strategies that adjust asset allocation based on the participant's proximity to retirement, offered to financial professionals and plan sponsors for retirement plan offerings.
- Technology Services Technology infrastructure and middleware services for retirement plan recordkeepers and plan sponsors, including the Stadion Connect platform for data integration and validation.
- TargetFit Risk assessment and management tool for participants within qualified retirement plans and employers, used to help determine appropriate investment allocations.
Quantifiable outcome
- Employees defaulted into StoryLine managed account service have more age-appropriate equity allocations compared to DIY investors when measured against S&P Target Date Fund Index series
- +1 more outcomes
Companies that use Stadion Money Management
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
Stadion Money Management technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability2 records
Feature5 records
Stadion Money Management partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- Morningstar RetirementcoreStrategic collaboration to offer Stadion Managed Accounts powered by Morningstar Retirement through Lincoln Financial's Retirement Plan Services. The offering combines Stadion's professional portfolio management capabilities with Morningstar Retirement's personalization technology to deliver tailored investment offerings for plan participants.
- AmeritascoreAmeritas, a national retirement plan recordkeeper, partnered with Stadion to make StoryLine accessible via the Ameritas EliteUnlimited platform through integration with iJoin, a retirement plan technology provider. Plan advisors can present StoryLine's personalized investment strategy to clients.
- Lincoln Financial GroupcoreLincoln Financial Group offers Stadion's StoryLine Dynamic QDIA program built in collaboration with Stadion Money Management. The dynamic QDIA solution combines target date funds for younger individuals with StoryLine managed account service for participants aged 50 and older. Available on Lincoln Financial's Alliance platform.
- SmartcoreSmart, a global retirement technology provider, acquired Stadion Money Management in 2022. Smart offers modular retirement technology solutions for financial institutions including recordkeepers, advisors, and asset managers. Stadion's technology and managed account knowledge bolsters Smart's ability to offer retirement technology solutions globally. Stadion now operates as part of the Smart family.
- Benefit Trust CompanycoreBenefit Trust Company serves as the trustee and sponsor of Stadion's Investors Master Trust for Employee Benefit Trusts Collective Investment Trusts. The CIT family includes Stadion Risk-Based Funds composed of multiple share classes.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Stadion Money Management competitors and assessment
Company assessmentDirect peers
- Morningstar Investment Management: Morningstar Retirement provides personalized managed account services for retirement plan participants, including personalization technology that Stadion now integrates with. Directly comparable QDIA managed account offering with overlapping target customers.
- Empower Retirement: Empower (Great-West Financial) is one of the largest US retirement plan recordkeepers offering managed account and personalized advice services to defined contribution plans, directly competing in the QDIA managed account space Stadion targets.
- T. Rowe Price Retirement Plan Services: T. Rowe Price offers target-date and managed account retirement solutions to plan sponsors and participants. Competes with Stadion for advisory-driven DC plan mandates and serves an overlapping advisor and plan sponsor customer base.
- Edelman Financial Engines: Edelman Financial Engines is a leading independent provider of retirement managed account and advisory services, serving millions of participants across US workplace plans. Directly comparable personalized investment advice offering.
Broad incumbents
- Fidelity Managed Accounts: Fidelity provides Personalized Planning & Advice and other managed account services within its massive workplace retirement business. Overlapping product offering with far larger distribution and brand scale.
- Vanguard Personalized Advisor: Vanguard offers personalized managed advice services for retirement plan participants at very low fees. Competitor in the QDIA and managed account category with dominant market share and brand.
- Capital Group (American Funds) Retirement: Capital Group offers target-date and managed account retirement solutions through American Funds, serving plan sponsors and advisors. Overlapping retirement DC market with significant distribution.
- Prudential Retirement Strategies Group: Prudential offers managed account, target-date, and retirement income solutions to workplace plans. Competes with Stadion in defined contribution advisory and QDIA categories.
Others
- BlackRock LifePath Managed Accounts: BlackRock offers custom managed account solutions built around LifePath target-date funds for defined contribution plans. Directly comparable offering at vastly larger scale, serving the same plan sponsor and advisor customers.
Emerging players
- Retirement Plan Advisors / iJoin: iJoin is a retirement plan technology provider that integrates with Stadion for advisor-driven plan access. Adjacent rather than directly competing; relevant because iJoin's distribution can amplify or constrain Stadion's reach via channel partners like Ameritas.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Stadion Money Management social profiles
Digital presenceStadion Money Management financial estimates
Financial estimateRevenue estimate
Valuation estimate
Stadion Money Management leadership team
Management profileNumber of profiles
Profiles5 records
Stadion Money Management funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Stadion Money Management 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 Stadion Money Management
What does Stadion Money Management do?
Stadion Money Management provides registered investment advisory services for U.S. retirement plans, centered on its StoryLine personalized managed account platform, target date solutions, and a suite of six risk-based Collective Investment Trusts (Maximum Growth through Capital Preservation). Its Stadion Connect proprietary middleware processes participant data for recordkeepers and plan sponsors, validating data for over 6.6 million participants daily and handling 500+ million data elements each day. The firm serves financial professionals, plan sponsors, plan participants, and retirement plan recordkeepers through direct enterprise relationships and platform partnerships with Lincoln Financial, Ameritas, and Morningstar Retirement.
Is Stadion Money Management a public or private company?
Stadion Money Management is a private company. It is classified as corporate owned and is currently operating.
When was Stadion Money Management founded?
Stadion Money Management was founded in 1993. It employs 51 to 100 people.
Where is Stadion Money Management based?
Stadion Money Management is headquartered in Watkinsville, United States, in the North America region.
How does Stadion Money Management make money?
One revenue line is on record: investment Advisory and Managed Account Services.
Who are Stadion Money Management's main competitors?
Direct peers on record are Morningstar Investment Management, Empower Retirement, T. Rowe Price Retirement Plan Services and Edelman Financial Engines. Broad incumbents are Fidelity Managed Accounts, Vanguard Personalized Advisor, Capital Group (American Funds) Retirement and Prudential Retirement Strategies Group. BlackRock LifePath Managed Accounts is listed as an others. Retirement Plan Advisors / iJoin is listed as an emerging player.
Does Stadion Money Management have an API?
No public API is recorded for Stadion Money Management.
What industry is Stadion Money Management in?
Stadion Money Management's product category is Retirement Managed Account Services. Its primary akta.pro industry code is FSAEABAF, Retirement Plan Participant Advice & Managed Accounts, with a secondary code of FSAEABAE, Employer Retirement Plan Advisory (401(k)/Pension). Its NAICS code is 523940 and its SIC code is 6282.