OldGold
"Americans have $1.65 trillion in forgotten 401(k)s. OldGold finds yours in 60 seconds — you only pay when we find money."
The Idea
OldGold is a web application that helps Americans locate and recover forgotten 401(k) retirement accounts. Users provide their employment history (manually or via document upload), and an AI agent cross-references public databases — the DOL Form 5500 filings, the National Registry of Unclaimed Retirement Benefits, and state unclaimed-property portals — to surface lost accounts. The service is free to search; OldGold charges a flat $99 fee per account successfully recovered, targeting the $1.65 trillion sitting in forgotten retirement plans.
Who It's For
US workers aged 30-55 who have changed jobs 3+ times and suspect they left retirement money behind. Secondary: financial advisors who want to offer this as a client acquisition tool.
What's Built
In Scope:
- User sign-up and employment history entry (employer name, approximate dates, state)
- AI-powered search agent querying the DOL Form 5500 public dataset and NAUPA/state unclaimed property databases
- Dashboard of discovered accounts with plan details (plan name, EIN, plan administrator, estimated balance tier)
- Mark accounts for recovery and generate a pre-filled recovery letter/packet (PDF)
- Stripe payment ($99) to unlock the full recovery packet per account
Out of Scope (v1):
- IRS account OAuth
- Automated HR outreach
- One-click rollover/consolidation
- Ongoing monitoring alerts
- API for third parties