Support resilience
Offer an investing benefit designed around both longer-term growth potential and access, subject to market risk and processing.
FOR EMPLOYERS
A benefit employees can use before 65.
Help your people invest for the future while keeping a practical path to their money. CapitalEvolve is designed to support financial resilience without replacing your retirement plan.
ce.Employer overview
ILLUSTRATIVEEligible employees428
Participating71%
Employer added$32.4k
A practical benefitfor emergencies and growth
A configurable programbuilt around your budget
A measurable experiencewith aggregate reporting
THE BUSINESS CASE
When money problems become workday problems.
A child-care gap, vehicle repair, medical expense or overdue household bill can require an employee’s immediate attention and may contribute to distraction, late arrivals or time away from work. CapitalEvolve is designed to help employees build assets before that moment—without requiring employers to see how any individual uses their money.
REAL-LIFE PRESSURE
Unexpected expenses are common, not exceptional.
The Federal Reserve reported that 59% of U.S. adults experienced at least one major unexpected expense in 2025. Vehicle repairs or replacement, home or appliance repairs and major medical expenses were the most common.
View the Federal Reserve findings ↗- Child careA sudden coverage gap can affect whether someone can report to work.
- TransportationA repair can determine whether an employee can make the next shift.
- Medical costsUnplanned care can create an immediate cash need.
- Household billsOverdue essentials can demand attention during the workday.
Fill the middle space
Give employees something between a cash savings account and a retirement account: invested assets without retirement-age withdrawal rules.
Reduce the investing workload
Use clear portfolio approaches and automated contributions so employees do not have to choose and trade individual securities themselves.
Understand utilization
See aggregate participation, contributions and program cost without exposing private individual investment behavior.
CapitalEvolve is designed to support financial resilience. It has not yet established that the program reduces absenteeism, turnover or financial stress, and employers should not present those outcomes as guaranteed.
A PROGRAM YOU CAN SHAPE
Your contribution policy. Clearly communicated.
CapitalEvolve is planned to support employer-defined eligibility, contribution formulas, frequency, effective dates and limits. Employees should see what qualifies, what does not and what happens when employment or the program ends.
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Employer contributions may constitute taxable compensation and may be reported as wages. Employer contributions and program expenses may have tax consequences that depend on the employer’s circumstances and program structure. Employers should consult their tax advisers regarding deductibility and payroll treatment.
CONTRIBUTION RULEEXAMPLE ONLY
Illustrative maximum annual employer cost $1,200 / participant
ADMINISTRATION
Enough control. Less noise.
The planned employer portal focuses on the program rather than employee investment behavior.
Eligibility and rules
Define who qualifies, when participation begins, contribution formulas and program limits.
Payroll coordination
Track expected employee and employer funding with validation and exception reporting.
Aggregate insights
Monitor enrollment, participation and employer contribution totals without viewing private employee balances.
Reporting and billing
Download program reports and reconcile simple per-eligible-employee platform billing.
PROPOSED EMPLOYER PRICING
Easy to model before you commit.
Platform pricing is separate from an employer-sponsored contribution. Final minimums, scope and contract terms will be provided before signing.
Core administration, contribution rules, aggregate reporting and support.
Reduced rate if the employer separately authorizes public identification as a participating employer.
Early-partner target pricing, subject to scope, volume, timing and final agreement.
Rates are a working model, not a binding offer. Name, logo and relationship-description permission must be separately documented and does not create testimonial or endorsement rights. Employer contributions, taxes, custom work and third-party services are separate.
A RESPONSIBLE LAUNCH
Designed around regulated providers and clear boundaries.
01EmployerDefines the program and authorizes contribution funding
→02CapitalEvolveProvides technology, administration, UX and integrations
→03Alpaca Securities LLC (dba Alpaca Clearing)Selected intended provider; relationship, scope and production integration remain pending
→04EmployeeOwns the account and makes contribution and withdrawal decisions
Customer investment assets should not flow through CapitalEvolve’s ordinary corporate operating bank account. Alpaca has been selected as the intended provider, but no active relationship or account availability is represented until agreements and approvals are complete. Custody, brokerage, advisory, money-transmission, ERISA, tax, payroll and state requirements remain subject to legal and provider review.
AGGREGATE BY DESIGN
Program visibility without a window into personal finances.
Employer dashboards are planned around administration and aggregate utilization. Any individual-level access requires a specific lawful purpose, disclosure and approval.
- Participating employee count
- Participation percentage
- Total employer contributions
- Total employee contributions
- Average contribution
- Program utilization
- Individual portfolios
- Individual balances
- Individual withdrawals
- Individual investment performance
- Personal bank activity
- Questionnaire responses
FOUNDING EMPLOYER CONVERSATIONS
Tell us what your workforce needs.
We are speaking with employers while the program, integrations and regulated-partner structure are being finalized. Starting a conversation does not create a commitment.
- No employee information required
- No obligation to purchase
- Final pricing and terms before any agreement