Charles Nelson
Co-Founder, Executive Chair, & Interim CEO
Former Vice Chairman & CGO, Voya Financial ($790B AUA). 40+ years overseeing 12M+ participants at Voya and Empower. One of the most recognized names in workplace retirement.
A new infrastructure layer for workplace wealth.
The full client relationship is yours to own.
~40%
Avg Lower Per Participant Cost
Roughly 40% below the industry average of legacy recordkeepers
T+0
Real-Time Settlement
Contemporary real-time settlement replacing legacy batch omnibus processing
100%
Rollover Opportunities Route to You 1st
No rollover friction with legacy recordkeepers so you can serve customers in their best interest
What We're Building
The infrastructure that lets you own the full client relationship.
EnTrustOS gives wealth managers full control of the client experience, the underlying wallet, and the data that connects them — through a single real-time system of record. By eliminating reconciliation and embedding rules and transactions directly in the platform, it creates a more efficient, compliant, and behaviorally intelligent foundation for modern retirement wealth management.
Explore the PlatformThe firms that move will own the full client relationship — with the ability to provide a holistic customer experience across workplace savings and retail wealth solutions.
In a way the industry hasn't made possible before.
The Opportunity
You've earned the relationship. Now own the infrastructure beneath it.
The retirement industry is at an inflection point. Modern infrastructure makes it possible — for the first time — for wealth management firms to control the full plan experience. And now Benefit Administrators can seamlessly integrate a proprietary retirement ecosystem to offer a complete benefits solution. It's a win-win.
What Changes With EnTrustOS
What's Been True
What EnTrustOS Makes Possible
Data locked in third-party portals
Real-time data flows directly to your systems
Investment menus limited to mutual funds
Expanded investment options — e.g., ETFs, tokenized investments, etc.
Rollovers routed outside your ecosystem
You drive the rollover conversation
Platform experience owned by the recordkeeper
Your brand, your participant experience
Complex, opaque fee arrangements
Transparent fee structure ~40% lower than industry average
Manual ERISA compliance workflows
Enable automated compliance.
A Better Deal for Your Clients — and Your Firm
The economics work better for everyone in the partnership.
EnTrustOS is designed to cost roughly 40% below the industry average of legacy recordkeepers. On a 5,000-participant book, that's $500,000 per year in savings you can deliver to employer clients, under your own brand.
~40%
Lower cost you can pass directly to employer clients
$500K
Annual savings on a 5,000-participant book
Stay competitive. Don’t get left behind.
Why Now
DOL Scrutiny Is Rising
Fee transparency requirements are tightening. The firms with clean, competitive economics will be positioned to win — and keep — employer relationships.
SECURE 2.0 Is Reshaping Expectations
Portability mandates and auto-enrollment expansions are creating new infrastructure requirements that legacy recordkeepers aren't built to meet.
Era of Scale as a Barrier Is Over!
Purpose-built for the new era, where the scale moats of legacy recordkeepers are disrupted. Through real-time settlement and behavioral intelligence, our platform neutralizes the defensive moats of traditional recordkeepers, delivering a sophisticated ecosystem designed for how people actually save today.
The First Movers Will Win
The firms that move will own the full client relationship — with the ability to provide a holistic customer experience across workplace savings and retail wealth solutions.
The Platform
Modern infrastructure. Your brand on top.
EnTrustOS is an AI-native, modern, behaviorally intelligent retirement recordkeeping infrastructure designed from first principles — not a remodel of existing legacy recordkeeping architecture. EnTrustOS gives wealth managers full control over their data, operations, and client experience through a single, real-time, immutable system of record. It replaces fragmented, antiquated systems with a trusted, behaviorally intelligent, programmable foundation for transactions, compliance, and AI-enabled services.
What You Gain
Rollover Capture
Immutable real-time data enables you to deliver best-interest rollover advice and solutions to participants changing or between jobs in your ecosystem. No more advice and rollover friction with legacy recordkeepers.
Real-Time Data
Open API streams participant data directly to your advisory platforms — enabling proactive, data-driven client engagement without delay.
Expanded Investments
The first true open-architecture platform — no longer limiting your clients to the omnibus investment solutions available via legacy recordkeepers. EnTrustOS opens expanded capabilities with access to next-generation, diversified investment vehicles at potentially lower cost, including ETFs, alternatives, tokenized securities, and tokenized annuities.
Behavioral Intelligence
Expanded Save More Tomorrow™ tools and behavioral-intelligence nudges built into the recordkeeping platform — such as future enrollment, auto-accounts, and portable deferral rates.
Your Brand Throughout
White-label wallet and advisor portal — the infrastructure is ours, the relationship is yours. Every participant touchpoint carries your firm's identity.
Integrated Financial Identity
Participant accounts — including workplace savings and wealth management accounts — persist across jobs, life events, and plan changes, so your clients’ employees can stay in your ecosystem.
The Partnership Model
You bring the relationships. We provide the infrastructure.
EnTrustOS handles everything beneath the surface — the ledger, the compliance engine, the settlement rails. Your firm owns what matters most: the employer relationship, the participant experience, and the wealth management opportunity.
EnTrustOS Provides
Your Firm Brings
Blockchain ledger & smart contract compliance (ERISA, IRS, DOL)
Employer relationships & advisor distribution
Behavioral Intelligence (Save More Tomorrow™)
Client brand & participant experience
Real-time settlement & tokenized fund accounting
Holistic wealth management guidance, advice and experience
Open API data architecture
Optional: participant-facing service functions
White-label wallet & advisor portal toolkit
You choose — not legacy recordkeepers — the services and solutions to provide your clients
The Team
Built by people who understand both sides of the table.
Decades of recordkeeping leadership, ERISA legal practice, behavioral economics, and product development — purpose-built for this moment.
Thomas Schendt
Chief Legal & Compliance Officer
45+ years in ERISA law. Senior positions at U.S. Treasury. Distinguished record before the SEC, IRS, DOL, PBGC, and FTC. A rare combination of regulatory depth and practical experience.
Shlomo Benartzi
Co-Founder & Chief Behavioral Economist
Professor Emeritus, UCLA Anderson. Co-creator of Save More Tomorrow™ with Nobel Laureate Richard Thaler. A global authority on behavioral finance and retirement savings design.
Nicole Nelson
Product Leader
Former VP of Product, RocketLawyer.com. Consumer and B2B platform track record with $150M+ in annual revenue. Expert at translating complex systems into intuitive, high-impact product experiences.
Contact Us
Let's build something together.
Whether you're a wealth management firm looking to own the full client relationship, an advisor seeking better infrastructure, or an investor interested in the opportunity — we'd love to connect.
Get in Touch