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You state the problem space clearly -- many employees don't choose to take advantage of tax-deferred retirement plans.

To whom do you have access for investment? DFA has a great portfolio of so-called "unmanaged" index funds. They have a low burden, much of it not front-loaded. And they've been around a long time. There are other similar funds.

How do you avoid the Zenefits craziness as you grow?

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re investments, we can include several fund families, including Vanguard and DFA. However most customers prefer our Octave portfolios which are built using best of breed funds from multiple providers, using a sophisticated optimization process.

re craziness, our team already has tons of experience managing billions of dollars at scale. I wrote a large part of the portfolio management system that manages BlackRock's iShares, and my cofounder was responsible for trading $6B/day of flow for large pension funds.

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