
The Opportunity
A colossal US $100 trillion—and growing to US $400 trillion —retirement‑funding gap, millions of underserved savers on the brink of outliving their assets, public systems racing toward insolvency, meets a low‑cost fintech innovation backed by impact capital to create a once‑in‑a‑generation opportunity for impact and financial prosperity.

Retirement Funding Gap
The retirement shortfall already tops US $100 trillion in promised but unfunded benefits and is on track to hit US $400 trillion by 2050. Capturing even a sliver of that gap via fee‑based or outcome‑linked products translates into a multi‑trillion‑dollar revenue horizon while creating the biggest impact story of our time.
Underserved Savers
Half of everyone aged 55‑65 holds zero dedicated retirement savings, and 80 % of today’s seniors risk outliving what they have.
This neglected demographic is actively seeking affordable, turnkey solutions that can stretch limited dollars and hedge longevity risk.


Systemic Urgency
Public pay‑as‑you‑go schemes such as Social Security face looming insolvency, pushing regulators to welcome private‑sector innovation. Innovative solutions are needed to solve the greatest crisis of our time while doing a tremendous amount of good.
Fintech & Impact Edge
Digital distribution, advanced actuarial analytics, and mosern asset management allow new platforms to deliver retirement security at 2–10× higher returns than legacy offerings. Impact‑oriented investors are eager to fund these models, turning a social crisis into one of the decade’s most compelling growth stories.
