Support resilience
Offer an investing benefit designed around both longer-term growth and access, subject to market risk and processing.
FOR EMPLOYERS
A benefit employees can use before 65.
Help your people invest for the future while keeping a practical path to their money. CapitalEvolve is designed to support financial resilience without replacing your retirement plan.
ce.Employer overview
ILLUSTRATIVEEligible employees428
Participating71%
Employer added$32.4k
A practical benefitfor emergencies and growth
A configurable programbuilt around your budget
A measurable experiencewith aggregate reporting
THE BUSINESS CASE
Another way to support financial resilience.
CapitalEvolve is designed to give participating employees another way to build accessible financial assets for needs such as unexpected car repairs, emergency child care, overdue expenses, emergency reserves and longer-term wealth accumulation. No reduction in absenteeism, turnover or financial stress is promised.
Make support visible
Employees can see the employer contribution formula, limits, eligibility and amounts actually contributed.
Broaden access
Make a structured investing experience available alongside, not in place of, a qualified retirement plan.
Understand utilization
See aggregate participation, contributions and program cost without exposing private individual investment behavior.
A PROGRAM YOU CAN SHAPE
Your contribution policy. Clearly communicated.
CapitalEvolve is planned to support employer-defined eligibility, contribution formulas, frequency, effective dates and limits. Employees should see what qualifies, what does not and what happens when employment or the program ends.
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Employer contributions may constitute taxable compensation and may be reported as wages. Employer contributions and program expenses may have tax consequences that depend on the employer’s circumstances and program structure. Employers should consult their tax advisers regarding deductibility and payroll treatment.
CONTRIBUTION RULEEXAMPLE ONLY
Illustrative maximum annual employer cost $1,200 / participant
ADMINISTRATION
Enough control. Less noise.
The planned employer portal focuses on the program rather than employee investment behavior.
Eligibility and rules
Define who qualifies, when participation begins, contribution formulas and program limits.
Payroll coordination
Track expected employee and employer funding with validation and exception reporting.
Aggregate insights
Monitor enrollment, participation and employer contribution totals without viewing private employee balances.
Reporting and billing
Download program reports and reconcile simple per-eligible-employee platform billing.
PROPOSED EMPLOYER PRICING
Easy to model before you commit.
Platform pricing is separate from an employer-sponsored contribution. Final minimums, scope and contract terms will be provided before signing.
Core administration, contribution rules, aggregate reporting and support.
Reduced rate if the employer separately authorizes public identification as a participating employer.
Early-partner target pricing, subject to scope, volume, timing and final agreement.
Rates are a working model, not a binding offer. Name, logo and relationship-description permission must be separately documented and does not create testimonial or endorsement rights. Employer contributions, taxes, custom work and third-party services are separate.
A RESPONSIBLE LAUNCH
Designed around regulated partners and clear boundaries.
01EmployerDefines the program and authorizes contribution funding
→02CapitalEvolveProvides technology, administration, UX and integrations
→03[Broker/Custodian]Future provider maintains brokerage accounts, holds assets and executes transactions
→04EmployeeOwns the account and makes contribution and withdrawal decisions
Customer investment assets should not flow through CapitalEvolve’s ordinary corporate operating bank account. No broker/custodian is currently represented as contracted. Custody, brokerage, advisory, money-transmission, ERISA, tax, payroll and state requirements remain subject to legal and partner review.
AGGREGATE BY DESIGN
Program visibility without a window into personal finances.
Employer dashboards are planned around administration and aggregate utilization. Any individual-level access requires a specific lawful purpose, disclosure and approval.
- Participating employee count
- Participation percentage
- Total employer contributions
- Total employee contributions
- Average contribution
- Program utilization
- Individual portfolios
- Individual balances
- Individual withdrawals
- Individual investment performance
- Personal bank activity
- Questionnaire responses
FOUNDING EMPLOYER CONVERSATIONS
Tell us what your workforce needs.
We are speaking with employers while the program, integrations and regulated-partner structure are being finalized. Starting a conversation does not create a commitment.
- No employee information required
- No obligation to purchase
- Final pricing and terms before any agreement