iGPS

What iGPS does

iGPS (Individualized Glide Path Solution) is a personalized target date fund (TDF) platform offered by Nexus338, LLC, an SEC-registered investment adviser founded by Philip Chao. The platform addresses defined contribution retirement plans (401(k), 403(b), 457(b)) by constructing individualized glide paths for each participant using inputs such as age, income, account balance, contribution rate, and employer match, then blending multiple PIMCO RealPath Blend Collective Investment Trust (CIT) vintages to calibrate personalized risk-return profiles. Portfolios are recalibrated quarterly as participant data changes, and Nexus338 serves as the ERISA 3(38) discretionary investment fiduciary, shifting fiduciary liability away from plan sponsors. iGPS is offered as a QDIA-eligible default investment alternative and is available both as iGPS (core) and iGPSLifetime, which adds personalized guaranteed lifetime income through Pacific Life's Income Horizon fixed annuities beginning at age 50.

The platform is delivered through an ecosystem of strategic partners rather than as a standalone product. iJoin (a Broadridge company) acts as the technology integration layer connecting iGPS to recordkeeping systems, handling participant data flows and trading instructions; distribution flows through recordkeeper integrations with Daybright Financial, NWPS, Sentinel Benefits, and Ameritas, as well as through iJoin's Managed Account Marketplace and an advisor registration portal. Revenue is generated on an asset-based basis at an all-in 29 basis points (0.29%) annual fee, split as 20 bps to PIMCO, 3 bps to Nexus338 as the 3(38) fiduciary, 2 bps to iJoin for technology, and 4 bps to the recordkeeping platform. The firm operates with approximately 8 employees, has not disclosed external funding rounds, and targets plan sponsors and financial advisors as primary buyer segments.

Name

iGPS

Legal name

Nexus338, LLC

Website

https://igps.one

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

iGPS (Nexus338, LLC) is a personalized target date fund platform that builds individualized retirement glide paths from participant-level data using PIMCO RealPath Blend CITs, delivered to 401(k)/403(b)/457(b) plan sponsors via iJoin and four recordkeeper partners as an ERISA 3(38) fiduciary QDIA.

Ownership category

akta.pro rank

Product category

Retirement Plan Investment Solutions

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)

akta.pro secondary industry

Retirement Income Planning & Decumulation Advisory (FSAEABAD)

Keywords

• Personalized target date funds
• Retirement plan solutions
• QDIA investment options
• ERISA fiduciary management
• Collective investment trusts

GTM type

B2B

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Asset-Based Management Fees (Basis Points): iGPS charges a total all-in fee of 29 basis points (0.29%) on assets under management, comprised of: 20 bps to PIMCO for asset management, 3 bps to Nexus338 as ERISA 3(38) fiduciary, 2 bps to the technology provider (iJoin) for personalization technology, and 4 bps to the recordkeeping platform. Revenue is generated as a percentage of total assets under management in participant accounts.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

iGPS is a personalized target date fund (TDF 2.0) offered to defined contribution retirement plans that constructs an individual glide path for every participant using their specific age, salary, account balance, contribution rate, employer match, and projected Social Security. The solution is available as a QDIA, overseen under ERISA Section 3(38) by Nexus338, and distributed through partner recordkeepers and the iJoin technology platform at an all-in 29 basis point fee. An iGPSLifetime extension adds a personalized guaranteed lifetime income allocation backed by Pacific Life beginning at age 50.

Product overview

iGPS is a retirement investment platform consisting of two core products: iGPS (Individualized Glide Path Solution) and iGPSLifetime. iGPS is a personalized target date fund (TDF 2.0) that creates individualized retirement portfolios based on each participant's unique factors (age, income, account balance, contribution rates, employer match). iGPSLifetime extends this by incorporating guaranteed lifetime income through Pacific Life's Income Horizon product. The platform uses PIMCO's RealPath Blend Collective Investment Trusts as underlying investment building blocks, combining actively managed PIMCO bond funds with passively managed Vanguard index funds. Available through recordkeeping platforms connected via iJoin technology (Daybright, NWPS, Sentinel, Ameritas).

Differentiator

Problem solved

Functional benefit

Brands

• iGPSLifetime: Personalized target date solution incorporating guaranteed lifetime income through Pacific Life, beginning at age 50.

Products and services

• iGPS (Individualized Glide Path Solution) A personalized target date fund (TDF 2.0) that creates an individualized retirement portfolio for each plan participant based on age, income, account balance, contribution rate, employer match, and projected Social Security. Available as a QDIA for 401(k), 403(b), and 457(b) plans, overseen by Nexus338 as ERISA 3(38) fiduciary, and rebalanced quarterly without participant engagement.
• iGPSLifetime An enhanced version of iGPS that incorporates guaranteed lifetime income provided by Pacific Life, personalizing the share of each participant's portfolio allocated to a fixed annuity starting at age 50 so retirees cannot outlive those assets. Designed as a QDIA-eligible TDF-like solution for defined contribution retirement plans.

Quantifiable outcome

• Personalized portfolio construction using actual participant data instead of 5-year cohort averages
• +2 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability2 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and flagship.

• iJoincoreTechnology or Integration · 1 January 2024iJoin is the primary technology platform provider that connects iGPS to recordkeeping systems. It enables participant data access, instructs plan custodians to trade investments, and delivers the Personalized Retirement Picture (PRP) reports. iJoin's MAP Marketplace serves as a key distribution channel for advisors seeking personalized QDIA solutions. iJoin is a Broadridge company.
• PIMCOcoreTechnology or IntegrationPIMCO provides the personalized glide path construction methodology and its RealPath Blend Collective Investment Trust (CIT) vehicles as investment building blocks. The RealPath Blend series combines actively managed PIMCO fixed income funds with passively managed Vanguard index funds. Nexus338 monitors asset allocation methodology and CIT performance.
• Pacific LifeflagshipStrategic or Co-development PartnerPacific Life provides guaranteed lifetime income through fixed annuities for the iGPSLifetime product. Supporting policyholders for nearly 160 years, Pacific Life is a Fortune 500 company offering annuity solutions for institutional retirement markets. iGPSLifetime personalizes the amount of annuity allocated within a participant's portfolio, beginning at age 50.
• Daybright FinancialcoreChannel Partner/ Reseller/ DistributorDaybright Financial (formerly The Retirement Plan Company) serves as a recordkeeping platform partner, providing DC plan resources and administration with boutique-style flexibility for retirement plan advisors.
• NWPScoreChannel Partner/ Reseller/ DistributorNWPS is a high-touch, full-service recordkeeper and administrator of both DC and DB plans. Offers open fund architecture, flat fee-based pricing, and true single-point-of-contact service model for plan sponsors.
• Sentinel BenefitscoreChannel Partner/ Reseller/ DistributorSentinel Benefits partners with retirement plan advisors through a flexible open-architecture platform prioritizing service excellence, education, support, and in-house expertise.
• AmeritascoreChannel Partner/ Reseller/ DistributorAmeritas retirement plans is a main street market leader offering personalized products and platforms, high-touch service, high-tech capabilities, and 60+ years of retirement plan experience through a strong mutual-based organization.
• Nexus338flagshipStrategic or Co-development PartnerNexus338, LLC is the SEC Registered Investment Advisor firm and creator/sponsor of iGPS. The firm serves as the participant-level ERISA 3(38) Discretionary Investment Fiduciary Manager for iGPS and iGPSLifetime solutions. Founded by Philip Chao with 25+ years of retirement plan consulting experience.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Fidelity Personalized Retirement Advisor: Fidelity's Personalized Retirement Advisor offers participant-level advice and managed accounts inside Fidelity-serviced DC plans, serving the same target buyer (plan sponsors/advisors) via a comparable personalization narrative.
• Empower Retirement: Empower's Personalized Retirement Account and managed-account services deliver participant-level advice within DC plans — the same problem iGPS targets, at a comparable positioning though at higher fees and with a much broader product footprint.
• Morningstar Investment Management: Morningstar's managed-account solutions for DC plans deliver participant-level asset allocation and advice, directly comparable to iGPS's value proposition and competitive pricing dynamic.
• BlackRock LifePath Custom: BlackRock's LifePath Custom and Personalized DC solutions let plan sponsors personalize glide paths — directly competing with iGPS's individualized methodology — but with the scale advantage of the dominant TDF asset manager.
• T. Rowe Price Retirement Plan Services: T. Rowe Price's TargetPath, MyRP, and Retirement Advisory Service provide personalized retirement solutions through DC plans. Their 2026 Reference Point research is cited within iGPS materials, indicating active overlap in advisor messaging and plan-sponsor targeting.

Broad incumbents

• Voya Financial: Voya serves the DC plan market with target-date funds and managed-account solutions (including Lifetime Income solutions). Comparable broad-incumbent peer with overlap in both personalization and lifetime-income adjacencies.
• Schwab Retirement Plan Services: Schwab offers managed-account and target-date solutions inside DC plans via its recordkeeping platform. Comparable broad incumbent serving the same plan-sponsor and advisor channel.
• Vanguard Target Retirement: Vanguard is the largest direct TDF provider. Comparable as a benchmark for TDF pricing and incumbent competitor to iGPS's personalized-QDIA pitch in DC plan shelf space.

Emerging players

• PIMCO RealPath Blend: PIMCO is both an iGPS partner (supplying RealPath Blend CITs) and a competitor to large plan sponsors who could buy PIMCO's products directly. Comparable as a target-date methodology and CIT provider in the personalized glide-path category.

Others

• iJoin (Broadridge): iJoin is iGPS's technology and distribution partner via the MAP Marketplace. Comparable as retirement-plan participant-data and recordkeeper-integration infrastructure that underpins personalized managed-account solutions.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/igps-retirementsolution

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 iGPS