Latest
How to Gain Immediate Visibility into Your 401(k) Plan Activity
The Definitive Guide to 401(k) Features That Improve Employee Retention
Understanding Alternative Asset Investments in 401(k) Plans
The Employer's Definitive Guide to High-Impact 401(k) Benefits Platforms
2026 Plug-And-Play Payroll and 401(k) Integrations
Key 401(k) Features for Lean HR Teams
Founder Profiles
The Intro Series
Compare Basic Capital
Who is Basic Capital, and how do we make money?
Basic Capital isn’t a margin account. It’s an IRA that gives you more investing power via preferred equity financing.
When it comes to leverage, goal and structure matter.
Not exactly. Personal loans run the risk of wrecking your credit or having your collateral repossessed, but Basic Capital financing is backed and secured by a specific asset.
The uber-wealthy have built a symbiotic relationship between their assets and loans—and it’s all thanks to private bankers.
For Employers
Understanding Alternative Asset Investments in 401(k) Plans
Discover which 401(k) providers offer alternative investments
2026 Plug-And-Play Payroll and 401(k) Integrations
Discover how plug-and-play 401(k) payroll integration saves 50%+ admin time
Key 401(k) Features for Lean HR Teams
Automation tools that simplify 401(k) administration for small HR teams
For Individuals
May 20, 2025
The Stock Market Wasn’t Built for Everyone, But It Should Be
The system we live with today was no accident. It was built, and it can be rebuilt.
April 21, 2025
The Three-Legged Stool Is Busted
The phrase emerged to simplify the public’s understanding of retirement planning, but today, the analogy no longer holds.
April 13, 2025
These 13 States Require Small Businesses to Provide Retirement Plans
More are on their way, so we’ll keep you posted.
401(k) Resources
How to Migrate Your 401(k) Seamlessly with Top Rollover Platforms
Trump Crypto Executive Order and 401(k)s: What It Does and Does Not Change for Plan Sponsors
IRA vs 401(k) Fees: What Employers Should Communicate About Total Cost
401(k) Rollover vs Transfer: Clean Definitions, Timing, and Pitfalls for HR and Finance
Company News
Podcasts
All
The DOL Just Opened the Door to Alternative Investments in 401(k)s
What today's landmark proposed rule means for plan sponsors, fiduciaries, and employees
Introducing the Basic Capital Compliance Agent
The first AI built for proactive 401k compliance
How to Gain Immediate Visibility into Your 401(k) Plan Activity
Monitor contributions, catch compliance risks early, and keep participants engaged through real-time dashboards and automated tools
2026 Guide: How Fast Top 401(k) Providers Can Complete a Switch
A practical timeline and step-by-step breakdown for employers navigating 401(k) provider conversions, from due diligence through post-migration support.
The Definitive Guide to 401(k) Features That Improve Employee Retention
How employers can design retirement benefits that signal genuine long-term commitment to their workforce
Understanding Alternative Asset Investments in 401(k) Plans
Discover which 401(k) providers offer alternative investments
10 Common Fiduciary Mistakes in 401(k) Oversight and How to Fix Them
A practical guide for plan sponsors
The Employer's Definitive Guide to High-Impact 401(k) Benefits Platforms
How modern retirement platforms drive measurable ROI through higher participation rates, integrated financial wellness tools, and streamlined administration for lean HR teams
2026 Plug-And-Play Payroll and 401(k) Integrations
Discover how plug-and-play 401(k) payroll integration saves 50%+ admin time
Key 401(k) Features for Lean HR Teams
Automation tools that simplify 401(k) administration for small HR teams
Shifting Expectations for Workplace Benefits
How Gen‑Z Is Benefitmaxxing
The Basic Capital Holiday Reading List
by Abdul Al-Asaad
Building for the Meanwhile: Zac Townsend
Founder/CEO Meanwhile
Engineering Precision in Dentistry: Wardah Inam
Co-Founder/CEO of Overjet
2026 IRA and 401(k) Contribution Limits
Discover the 2026 IRA and 401(k) limits, Roth catch-up rules, and what HR teams must do to stay compliant.
Risk Tolerance vs. Risk Capacity
The Emotional and Quantitative Measures That Shape Retirement
Why Most Investors Never See "Market Returns"
Why the experience of retirement savings doesn’t always match the data
When Do High Bond Allocations Make Sense for Younger Savers?
Less noise. More progress.
Finance Legends: Jack Bogle
How "Bogle's folly" became common sense
When Washington Shuts Down
What HR and Benefits Leaders Need to Know
High Earner Benefits Strategies
Maximizing 401(k) Benefits for Your Leadership Team
The Business Impact of Retirement Readiness
How It Impacts Your Workforce and How to Measure Success
Building Retirement Security for the Trades
How a Well-Designed 401(k) Can Transform Your Recruitment and Retention Strategy
Benefits at Scale
Managing Retirement Programs Through Strategic Acquisitions
How Basic Capital Makes Money
Who is Basic Capital, and how do we make money?
Basic Capital Closes $25M Series A
Basic Capital Closes $25 Million Series A Funding Round Led by Forerunner and Lux Capital
Still No 401(k) for Your Employees? Bold Move.
Delaying the 401(k) could be costing more than you realize.
Retirement Plans Speak Louder Than Mission Statements
If you care about your team’s future, a solid 401(k) does more than check a box.
You Have a 401(k). Congrats. Now Make It Suck Less.
Bare-minimum benefits don’t win hearts or save time. Here’s how to fix a plan that’s just checking the box.
How to Explain the 401(k) Without Sounding Like HR Just Got ChatGPT
If your benefits onboarding sounds like it was written by a toaster, it’s time to upgrade.
HR Deserves a 401(k) Process That Doesn’t Suck
If you’re still formatting CSV files every pay period, it’s time to expect more from your provider.
Retirement Plans Are a Headache for Small Businesses. You Don’t Have to Inherit That Stress.
Support your clients with a provider that takes implementation and maintenance seriously.
New Retirement Plan Mandates Are Here. Small Businesses, Read This Before You Panic.
Several states now require retirement benefits. Here's how to avoid the fines (and the hassle).
Your HR Team Is Quietly Managing a 401(k) Nightmare
From late remittances to confused employees, the burden lands on the same shoulders every time.
What Happens to a Business When the Owner Retires?
With half of owners nearing retirement, the future of their companies — and workers — hangs on what they do next.
“All These Applicants Are Getting Ghosted”: An HR Recruiter on Why AI Hinders Employers From Finding the Talent They Need
Recruiters are adapting to a labor market that looks nothing like it did five years ago.
How Fractional CFOs Should Choose a 401(k) Provider
You shouldn’t have to build a new process from scratch each time.
What to Do When Your 401(k) Provider Doesn’t Integrate With Your Payroll
The truth is, there’s nothing safeguarding you from making mistakes.
What Makes a Business Worth Passing Down?
Some companies sell. Others stay. The difference comes down to what and who you believe in.
The First Thing Former Finance Pros Can Teach Their Teams About Building Wealth
If you’ve spent time in capital markets, you’ve seen how wealth really gets built through time, structure, and smart allocation. Most employees don’t think in those terms. But with the right framing, they could.
Three Headaches HR Wishes Their Bosses Understood About Running the 401(k)
A retirement plan should support the people who run it, instead of burning them out.
Ditch the “Speed Dating” Interviews and Other Hard-Won Advice From Seth Rogers, People Strategist
The days of mass interviews are behind us, but Rogers says too many companies still expect people to be perfect on day one.
Real Talk From a Small-Business Owner on What He Owes His Workers
“Above all, it’s about listening to your employees.”
The Stock Market Wasn’t Built for Everyone, But It Should Be
The system we live with today was no accident. It was built, and it can be rebuilt.
What We’re Reading: 7 Substacks Unpacking the Retirement Crisis
Whether you're keeping tabs on policy circles or just retirement-curious, these seven newsletters are worth adding to the inbox.
“This Is Cool”: Bloomberg Covers Basic Capital Launch
Their in-depth coverage offers the first look at the product and its operations — and why it represents such a departure from how retirement accounts have traditionally worked.
Using Financing to Become an Owner
In a system built around ownership, debt doesn’t have to be the enemy. It can be a tool.
The Three-Legged Stool Is Busted
The phrase emerged to simplify the public’s understanding of retirement planning, but today, the analogy no longer holds.
PSA: The Government Made a Lost-and-Found for 401(k)s
There’s a non-zero chance that one of them has your name on it.
These 13 States Require Small Businesses to Provide Retirement Plans
More are on their way, so we’ll keep you posted.
Why the Optimal Retirement Contribution Sequence Sounds Great — But Doesn’t Work for Most People
It’s not that people won’t save. It’s that many simply can’t.
The (Logical?) Reason Americans Don’t Save for Retirement
No amount of financial advice can prepare anyone who doesn’t have the funds to invest in the first place.
Larry Fink Wants Everyday Americans to “Own a Meaningful Stake” in the Market
But the capital required to take advantage of these opportunities is not within reach.
The Inspiration Behind Basic Capital
What if the mortgage, the index fund, and limited liability protection came together in a single product?
Why Would We Fund Your Basic Capital?
Why do financing providers fund your Basic Capital instead of investing for themselves? And why offer limited liability funding with no personal guarantee?
Is Basic Capital a Form of Margin Trading?
Basic Capital isn’t a margin account. It’s an IRA that gives you more investing power via preferred equity financing.
Why We Started Basic Capital
We started Basic Capital to solve a simple problem: It takes money to make money
Launchpad Vs. Trap: How Is Basic Capital Different from Leveraged ETFs?
When it comes to leverage, goal and structure matter.
What is Basic Capital?
And how is it different from the traditional way of building wealth?
Is Basic Capital Just a New Type of Personal Loan?
Not exactly. Personal loans run the risk of wrecking your credit or having your collateral repossessed, but Basic Capital financing is backed and secured by a specific asset.
Where Did the Pension Go?
Why the truce that once existed between employers and workers unraveled.
How We Build Your Basic Capital
Every time you contribute to Basic Capital via paycheck deduction, we take care of multiple steps behind the scenes.
How Basic Capital Is Private Banking for the Masses
The uber-wealthy have built a symbiotic relationship between their assets and loans—and it’s all thanks to private bankers.
The State of the 401(k)
Retirement accounts are an area hungry for innovation, and we believe there are creative, strategic and insightful HR and finance leaders with bold ideas on what to do.
401(k) Plans Desperately Need a Refresh
How can employers find innovation in an industry that is slow to change?
7 HR leaders Weigh in on the State of the 401(k)
We spoke with seven HR and finance leaders from industries ranging from marketing to transportation to health care on the main vehicle for retirement savings. Here’s what we learned.
From Zero to $100K, the New Way
No one likes to hear that “It takes money to make money,” but the old adage has never rang more true—because the sooner you get to $100,000, the faster you’ll get to that next $100,000 and beyond.
Expanding Investment Options: A Balanced Approach to Alternative Assets
More options are great for investors, but are new strategies enough?