Hi Massung, Thanks for the feedback! On the security question, we use Plaid, which a bunch of popular fintech services use to connect to a user's financial in

Hi Massung, Thanks for the feedback! On the security question, we use Plaid, which a bunch of popular fintech services use to connect to a user's financial institution. For example, if you use Venmo, you are using Plaid in the process. We went back and forth on mentioning Plaid, since most people don't know that company, but still worth mentioning. Going to add a call out and link on our "About" page. Thanks for the suggestion. The goal for Retire is to do everything you referenced (although some of that isn't supported today - helping people with rollovers, optimizing within your existing 401(k), moving money into an IRA if you've already hit your match with your current employer. You are right that there are limitations with what your employer/plan provider allows, but there is a lot we are thinking about to get people to save more money (increasing their contribution amount to try and hit annual contribution limit). Today, we built the dashboard to track your information and see everything in one place. Where we are going is to help employees take some of the actions you mentioned, but it will take time to build some of that functionality. Thanks so much for the comments. Helpful to hear your thinking!