Fewer companies go public, and later
By the time a business reaches a public exchange, a meaningful share of its compounding can already be behind it. Increasingly, the public market is the exit — not the opportunity.
For enterprise platforms, asset managers & advisors
Retirement accounts that can hold the actual asset.
Fates is the recordkeeping engine that lets asset managers, secondary marketplaces and wealth platforms put private equity, venture and private credit inside tax-advantaged retirement accounts — as a specific holding in a participant's account, not a pooled fund on a menu.
- In build Solo 401(k) rails
- Coming soon Alternatives
- Live 529 Education Savings
The problem
The growth happens before the ticker.
Companies stay private longer than they used to. Institutions have spent decades allocating to private assets as ordinary portfolio construction. Individual savers have mostly been left with whatever fits inside a public-markets wrapper.
Institutions have always had access
Endowments, pensions, and family offices treat private assets as a normal part of a portfolio. That toolkit has rarely reached the person saving for their own retirement.
The barrier is plumbing, not law
Self-directed retirement accounts have long been permitted to hold alternative assets. What has been missing is the custodian, the compliance path, and software a normal person can actually use.
Three ways to work with us
Run the plan. Take the rails. Or take the whole stack.
One is a plan we administer for you today. One is technology you run behind your own brand and your own registrations. One adds the regulated entities so you don't have to stand them up. They are different products, with different diligence and different timelines, and we would rather be clear about which one you are buying.
Live
01
Small business 401(k) administration
Full-service recordkeeping and administration for small and micro plans — eligibility and enrollment, payroll-driven contributions, compliance testing and safe-harbor tracking, participant statements, distributions and loans, and the annual Form 5500. This is the part of the business that already runs: the same production engine, administering real plans, today.
See how it works
Technology only
02
Deploy Solo 401(k) rails
The recordkeeping engine, by API. Plan provisioning, rollover intake, contribution limits under §415(c), participant-level position keeping for illiquid assets, annual valuation, Form 5500-EZ, prohibited-transaction screening. You hold the client relationship and the regulatory posture; we are infrastructure under your brand.
Talk to engineering
Rails + entities
03
Partner with Fates
The rails, plus the regulated layer — plan document and adoption agreement, the advisory relationship through our SEC-registered adviser, and the filing obligations carried on our side. The route for a platform that wants the account to exist without becoming a recordkeeper.
Talk to partnershipsBuilt on a production 401(k) recordkeeping engine that has administered real plans — acquired, modernized, and now being pointed at the assets the incumbents can only reach through a pooled fund.
The accounts
One platform. Every account you actually use.
Each Fates account is a door. We open them one at a time — and we don't ship one until it genuinely works.
Live
01
529 Education Savings
Tax-free growth for university, community college, trade school, and apprenticeships — on a platform built this decade. Cost modeling, gifting links, receipt capture, automated contributions.
Explore the 529
Coming soon
02
Solo 401(k)
The highest-ceiling retirement account available to self-employed people — and the first Fates account being built from day one to eventually hold more than public funds.
See what's coming
Live
03
Small business 401(k)
The employer side. Full administration for small and micro plans — enrollment, payroll-driven contributions, compliance testing, participant statements, and the annual Form 5500 — on the same recordkeeping engine everything else here is built on.
See how it works
Coming soon
04
IRAs
Traditional and Roth, for money that is already yours to move — rollovers out of an old employer plan, and contributions that do not depend on having an employer at all.
Not open yet.
Next
05
Alternatives, inside your account
Real estate, private credit, private equity, and venture — held inside the retirement wrapper you already own, rather than in a separate world you need an introduction to enter.
Subject to eligibility, custodian support, and applicable law.The software
Money software that behaves like software.
The account types will keep changing. The standard for how they should feel to use does not.
Modern and mobile-first
Real-time balances, clear statements, and a signup measured in minutes rather than mailed forms.
Model it before you commit
Project costs, contributions, and trajectories so you can see where a decision lands before you make it.
Connect what you already have
Bank and card connections through Plaid and Stripe, so tracking doesn't depend on you remembering.
Documents that file themselves
Snap a receipt or upload a statement and the record is kept where you'll need it at tax time.
Automation that adapts
Recurring contributions that flex with your situation instead of quietly overdrawing you.
You stay in control
You own the account and the decisions. We build the door — you decide whether to walk through it.
Order of operations
We ship where the rule already allows it.
Alternatives inside a workplace 401(k) wait on a fiduciary safe harbour that is still in comment. A one-participant plan does not — it sits outside ERISA Title I, which is exactly why we start there and why the rails are being built now rather than after the rulemaking lands.
-
In build
Solo 401(k) rails
The engine: plan provisioning, rollover intake, contribution limits, participant-level position keeping, filings. The beachhead account, because it clears today.
-
Coming soon
Alternatives, held directly
Private equity, venture, private credit and real estate as a named position in a participant's account — not a diversified sleeve selected on a menu.
-
Then
Workplace 401(k)
The same rails pointed at employer-sponsored plans as the fiduciary path clarifies. The $12T+ defined-contribution market is the destination; the solo plan is how we get there with a working product instead of a waiting list.
-
Shipped
529 Education Savings
Live for families today — and the proof that we ship regulated accounts, not slideware.
The foundation
Serious plumbing behind a simple screen.
Access only counts if the infrastructure underneath it is real. Ours is built on registered advice, institutional asset managers, and connections that don't ask for your bank password.
- Registered investment adviser Advisory services are provided by WealthyX LLC, an investment adviser registered with the U.S. Securities and Exchange Commission.
- Institutional asset managers 529 funds are professionally managed and held at Invesco, BlackRock, or Victory Capital.
- Connected, not scraped Bank and card connections run through Plaid and Stripe rather than asking you to hand over credentials.
You don't have to pick
the door today.
Start with the 529 that's live now, or get in line for the Solo 401(k). Either way, you're already on the platform when the rest opens.
- 529 live today
- Under 5 minutes to open
- Waitlist is free, no obligation