Fintech One•On•One Gaurav Sharma, CEO of Capitalize, on making retirement savings easier
Mar 13, 2025
35:48
If you have ever tried to rollover a 401(k) from a previous job you know what a painful process that can be. Another big problem with 401(k)s is that many people will move jobs and ultimately forget about their old 401(k). Both of these problems are hurting people trying to maximize their wealth in retirement. Enter Capitalize.
My next guest on the Fintech One-on-One podcast is Gaurav Sharma, the CEO and Founder of Capitalize. His company solves both problems: they make it much easier to do a rollover and they help find any old 401(k)s that have been forgotten about. And in doing so, they are helping Americans have a more prosperous retirement.
In this podcast you will learn:
- How Gaurav came to be in this country.
- Why he became fascinated by the retirement market.
- The total number and amount of forgotten 401k accounts.
- How Capitalize helps individuals transfer retirement accounts.
- The regulatory hurdles that Capitalize has to deal with.
- How and why they pivoted from direct-to-consumer to B2B.
- What the consumer experience looks like at Capitalize's partners.
- How they manage the different points of friction in this rollover process.
- How working with the legacy asset managers is different than the fintechs.
- The typical amount of money they move in a rollover.
- How they are going to be working with RIAs.
- How Capitalize makes money.
- The scale they are at today.
- How Gaurav thinks about the retirement landscape and the role Capitalize can play.
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