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Ubiquity Retirement + Savings® is a leading financial technology company that sits at the crossroads of HCM, SaaS and robo-recordkeeping.

Our mission is simple: Provide the 50+ million Americans working for small businesses with an easy, low-cost option to save for retirement at work.

Ubiquity has paved the way for retirement plan access by offering low-cost, flat-fee products geared toward the small business market since 1999. To date we have helped more than 9,000+ businesses contribute over $2.5 billion toward retirement savings.

Chad Parks

Founder + CEO

Award Category
401(k) — Retirement Plan Support Service: 401(k) Technology
Paradigm Automated Recordkeeping System
Paradigm RKS™ is the first private-label, cloud-based recordkeeping system designed specifically for small businesses. Developed by retirement experts at Ubiquity Retirement + Savings, Paradigm is available for BPO licensing to financial institutions seeking to reach the historically underserved micro-plan market. Paradigm was created by Ubiquity in 2016 and has been utilized by the company ever since. In late 2019, Ubiquity began partnering with leading financial institutions like Principal Financial, to offer Paradigm as a means of democratizing micro plan management as a BPO or SaaS solution. Paradigm has end-user functionality, as well as API integration, enabling a full array of savings tools cost-effectively. The platform automates plan management functions, including high-volume payroll processing, automatically-generated trade files and optimal trade and cash reconciliation, among others.

Andrew Meadows


Award Category
401(k) — Retirement Plan Support Service: 401(k) Service
CensiblyYours: Small Business Financial Wellness Tool
CensiblyYours Financial Wellness Tools was introduced by retirement experts at Ubiquity Retirement + Savings in June 2019 to enable financial advisors to help the 30 million small businesses across the U.S. find an easier path to offering retirement savings plans. A two-part program, CensiblyYours offers game-changing solutions for advisors, including: A 3(38) investment advisor, in partnership with Kaye Capital Management, who can absorb plan fiduciary responsibility and create a series of custom, target-date portfolios. Each portfolio is categorized by risk level and constructed using low-cost funds from best-in-class distributors. Plan sponsor and participant access to digital financial education platform Edukate. Through affordable investment options and a cutting-edge educational platform, CensiblyYours allows advisors to serve the small business population in an innovative way.
Ubiquity for Financial Advisors Overview
Find out how Ubiquity works with Financial Advisors.
What’s Sets Ubiquity Apart From the Rest?
Discover why Ubiquity is the preferred small business 401(k) for Advisors.
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About the Initiative

Guided Income Solutions℠ (GIS) is a turnkey, bucketed investment solution designed to deliver steady and tailored cash flows to clients planning for retirement. The bucketed investing framework provides an intuitive approach to converting clients’ nest eggs into an automatic income replacement based on their personal financial goals; the buckets automatically rebalance to systematically reduce risk and accommodate investors’ needs. GIS provides an alternative to annuities; delivering an investment approach that is flexible, liquid, and cost-effective.

GIS aims to transform and enhance current retirement income solutions, to: