SECURE ACT 2.0 COMPLIANT

The Fiduciary Engine

A production-grade Retirement Platform. We automate Auto-Enrollment, Escalation, and Testing with a Clean Architecture Modular Monolith.

RG
ERISA 402(g) Limits
Auto-Escalation
Safe Harbor
ADP/ACP Testing

Domain-Driven Design

Strict boundaries enforce regulatory isolation.

⚙️

Plan Configuration

Complex eligibility rules, vesting schedules, and contribution sources.

  • Eligibility Rule Engine
  • Cliff vs. Graded Vesting
  • Effective Dating
👤

Participant & Enrollment

State machine tracking eligibility, enrollment, and auto-escalation.

  • Negative Election Logic
  • Investment Selection
  • Beneficiary Designation
💰

Contribution Accounting

Financial integrity. Tracking money buckets (Pre-Tax, Roth, Match).

  • IRS Limit Enforcement
  • Source Tracking
  • Loan Amortization
⚖️

Compliance Testing

Automated non-discrimination testing and corrective actions.

  • Top Heavy Testing
  • ADP/ACP Calculations
  • Refund Generation

The Payroll Pipeline

How we turn raw CSVs into vested assets reliably.

1. Ingestion

Admin uploads CSV/XML via Blazor. File stored in Blob Storage.

2. Parsing

Hangfire job parses file. Validates SSN, DOB, and Pay Codes.

CRITICAL

3. Reconciliation

Compares Payroll Deferral vs. Election. Flags discrepancies.

4. Allocation

Money moved to Investment Buckets. Units purchased.

FIDUCIARY STANDARD

Immutable Governance

In a regulated industry, "It works" isn't enough. You must prove who changed what, and when.

RetirementGuard implements strict Audit Logging at the infrastructure level. Every `SaveChangesAsync` captures a JSON snapshot of the state change.

  • OldValues / NewValues Snapshots
  • User Context & IP Address
  • Fiduciary Decision Tracking
2025-10-12 14:02:22 | User: Admin_JSmith | IP: 192.168.1.55
UPDATE EligibilityRule (PlanId: 1005)
- AgeRequirement: 21
+ AgeRequirement: 18
2025-10-12 14:05:10 | User: System_Job | IP: localhost
EXECUTE AutoEnrollmentJob
Enrolled: 45 Participants
DefaultFund: TargetDate_2060
2025-10-12 14:10:00 | User: Emp_Ddoe | IP: 10.0.0.1
CREATE LoanRequest
Amount: $15,000
Reason: PrimaryResidence

Tailored Experiences

Two distinct Blazor WASM applications for two distinct users.

The Plan Administrator

Compliance Dashboard
MudBlazor DataGrid

Data-dense. Master-Detail. Complex Filters.

The Employee

Let's get you enrolled.
Contribution Rate: 5%
Continue

Wizard-driven. Mobile-first. Educational.