Use digital 401(k) Rollover technology to help beat the big guys

Apex cloud-native technology can help you build assets with a modern, digital 401(k) solution supporting force-outs, retaining participants who change jobs, and more.

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Speed up 401(k)-to-IRA rollovers

Liquidate 401(k) assets, open IRAs, and complete money transfers in days, not weeks, with Instant Cash Transfer (ICT) or flexible ACH options.*

Purpose-built for third-party administrators, trusts, retiretech, and advisory firms, this solution provides a modern, user-friendly experience for every participant. Plus, there are plenty of benefits for you and your team:

Reduce asset flight

When participants change jobs or face force-outs, our product allows them to set up and fund an IRA digitally — no snail mail required for forms or checks.

Deliver tailored participant services  efficiently

Reduce administrative tasks by automating the key steps in the client journey: opening the account, funding it, and putting the assets to work with Apex Rebalancer.

Provide your desired investment experience

Whether you prefer robo or self-directed — or anything in-between — Apex supports a spectrum of investing models for your participants.

Manage accounts of any size

With access to fractional shares, you can ensure even participants with the smallest balances are properly invested in a diversified portfolio.

*Based on Apex internal data: 99% of eligible 401(k) rollovers were processed within 48 business hours.

“Our plan participants and financial advisors are always asking us to expand our range of services we offer. We listened and decided that instead of building this new functionality slowly ourselves, we’d fast track it with Apex’s embedded brokerage infrastructure as our launchpad.”

Stan Smith
Chief Growth Officer at 401GO

The comments expressed here may not represent all client experiences. These statements are not meant to indicate any guarantee of future performance or success.

Ascend Investor: Integration options to match your needs

Streamline rollover operations and extend your service offerings — without a heavy lift on your end. Choose how you integrate based on how much you want to customize and how fast you want to launch.

White-label UIs

Connect via pre-built, end-investor user interfaces that you can brand with your own logo, colors, and fonts. This is a fast way to launch that minimizes development time.

Front-end SDKs

Get more control by using Software Development Kits (SDKs) to embed the investor experience directly into your existing desktop and mobile applications.

RESTful APIs

For the most flexibility and control, plug directly into our APIs to build your own custom front-end experience from the ground up.

Ascend Investor: A comprehensive, cloud-native solution

Designed to help companies serve more participants by offering time-saving features and a sleek digital experience, Ascend Investor isn’t like legacy software that requires overnight processing, custodian-held data, and multiple systems. Built on the firm foundation of AscendOSTM, this comprehensive platform boasts:

Real-time infrastructure that includes straight-through processing, up-to-the-moment balances in participant accounts, and on-demand reporting with built-in business intelligence tools.
Multiple account types including IRAs, SEP IRAs, and custodial IRAs — plus 30+ brokerage account types.
A broad array of asset classes, including U.S. equities, mutual funds, ETFs, options, futures, fixed income, alternative assets, and ADRs and foreign securities.
Configurable white-label, participant-facing screens for desktop, web, and mobile applications.
Lower operational expenses while enhancing efficiency with automations and algorithms designed to streamline daily administrative tasks.
Many built-in, time-saving tools, such as the Apex Rebalancer, Model Marketplace, participant risk- and goal-based questionnaires, and more.
Access to fractional shares can help all participants feel empowered to invest their funds according to their preferences.
Choose to operate as your own registered entity or outsource your regulatory registration to Apex Direct — leveraging Apex’s broker-dealer license — to get you up and running on your own timeline.”

Apex at a glance

Count on battle-tested and proven Apex to provide the stability your company demands.

$$193B+ Assets Under Custody**

22M+ brokerage accounts**

Over 13 years supporting fintechs around the world**

**Apex proprietary data as of 6/5/2025.

Get ready to serve more participants with smaller plans

Individual retirement planning is shifting gears. Thanks to the SECURE 2.0 Act of 2022 and an array of state mandates, there has been a push to increase the number of people with some sort of retirement savings. The result? More participants with micro plans — meaning you’ll need more operational efficiencies to help you serve them profitably.

By 2029 92% of all 401(k) plans will be micro,

$5 to $25 million in assets †

By 2029 40% increase in 401(k) micro plans

with $5 to $25 million in assets †

† Boyle, Emily. PlanAdvisor.com. July 16, 2025. https://www.planadviser.com/jp-morgan-asset-management-adds-solo-401k-product-set/