RolloverIQ

RolloverIQ is a mobile + web AI-assisted app that helps individuals decide what to do with old 401(k)s: leave it, roll to an IRA, roll to a new employer plan, or cash out (and see the damage). Users connect accounts via read-only aggregation, then the app compares fees, fund quality, plan rules, creditor protection, and Roth conversion implications using plain-English explanations. It generates a step-by-step rollover checklist, pre-fills provider forms where possible, tracks deadlines, and flags common traps like losing institutional share classes, triggering pro-rata issues, or missing required signatures. It also estimates long-term cost of “doing nothing” (extra basis points, higher expense ratios, and forgotten accounts). The app is not a robo-advisor; it’s a decision and execution assistant focused on a narrow, high-friction moment: job changes and orphaned retirement accounts.