Trillion
sitting in forgotten 401(k)s
across 31.9 million accounts.
Is yours part of it?
Find every retirement account
you've ever owned.
Enter your email. We cross-reference the DOL's Lost & Found database, PBGC records, and 401(k) custodian APIs to surface every account tied to your employment history.
of your portfolio value
drained by fee drag
over 25 years.
A 1% difference in annual fees reduces your retirement balance by 28%, according to the U.S. Department of Labor. Across four unmonitored 401(k)s, that gap compounds silently for decades.
30-Year Portfolio Projection
Starting balance $280,000 · 7% market return assumption
$1.21M difference at retirement
The exact gap between scattered and consolidated
When do you actually
want to retire?
Drag the slider. Watch your retirement date move.
18 years from now
Calculation Inputs
Based on DOL fee analysis · 7% market return · $22.5K annual contribution
Three clients.
Three problems solved
with arithmetic.
I changed jobs four times in twelve years and completely lost track of my old 401(k)s. Vest found three accounts I'd forgotten about — $214,000 sitting there earning 1.8% in a money market fund. Rolled them all into a single Vanguard IRA in one afternoon.
After my divorce I discovered my ex was still the beneficiary on a 401(k) I'd had since 2011. Vest flagged it in the scan. That single discovery was worth more than anything else I did financially that year.
I've maxed my SEP-IRA every year for eleven years and never once rebalanced. Vest ran the Monte Carlo and showed me I was 73% equities with no bond buffer. The Roth conversion roadmap alone is going to save me $140K in taxes.
reduction in retirement balance from a 1% fee difference — U.S. Department of Labor
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Monte Carlo simulation · Tax roadmap · Advisor call