Hey, thanks for the questions! I'm Rikin, also a founder. We actually have relationships with several custodians - depending on the investment options the comp

Hey, thanks for the questions! I'm Rikin, also a founder. We actually have relationships with several custodians - depending on the investment options the company wants to make available in the plan. We don't explicitly list the ETFs because we're not tied to a single fund family (e.g. Vanguard). We pick the best of breed funds for each asset class quarterly - our portfolios currently have ETFs from iShares, Vanguard, Schwabb and PowerShares. We can accommodate requests if employees are after something in particular. And finally, yes, employees can build custom portfolios. Investment flexibility was one of drivers of us starting this, but we make our portfolios/rebalancing the default to encourage participation from inexperienced employees. We don't have any restrictions on the ETFs/funds or even single-stocks that can be added - but we are careful not to unlock funds that aren't risk appropriate.