Plan Confidence

Overview

Plan Confidence launched in 2016 in Sarasota, Florida, to solve a structural problem for independent RIAs: the bulk of their clients' retirement assets sit in employer-sponsored plans that advisory firms historically could not touch. The firm builds software that automates plan research, fiduciary compliance documentation, and participant-level advice generation for these held-away 401(k) accounts. The platform functions as an enterprise operating system that ingests plan data and produces personalized, ERISA-compliant recommendations across an entire advisory firm. The company cites industry-wide figures — over $14 trillion in held-away assets across 85 million accounts — to frame the addressable market. Plan Confidence's workflow replaces spreadsheets and PDF-based plan reviews with automated research and documentation, targeting the compliance departments that have historically blocked retirement advice due to ERISA fiduciary risk. The firm serves independent RIAs exclusively and positions its technology as a growth engine that converts an underserved asset base into billable advisory relationships. Team size and ownership structure remain undisclosed. No adjacent vehicles — such as philanthropic foundations or real-asset arms — have been identified. There are no publicly captured regulatory filings that disclose advisory headcount, affiliated broker-dealer relationships, or audited financials. Plan Confidence's structural distinction is its narrow focus on an operational compliance problem — automating ERISA fiduciary workflows for held-away assets — rather than competing as a generalist wealth-tech platform. The firm does not manage assets directly; it provides the software layer that allows existing RIAs to expand their client wallet share into employer-sponsored retirement accounts without adding compliance headcount.