White-Label Retirement for 1099 Users: What Gigaverse Provides, What the Partner Provides, and What Neither Charges on Assets

The question every white-label deal should answer first

A benefits platform considering a white-label retirement product for its 1099 users needs to know three things before anything else: who does what, who is legally responsible for what, and who charges what. Retirement products have a long history of fee structures users only discover later, and a platform that puts its brand on one inherits every fee its users come to resent.

This article lays out the division of labor in a Gigaverse white-label deployment and states plainly where the money comes from. The benefits platform partnership page has the commercial terms; this is the operating picture.

What Gigaverse provides

The contribution engine. The core of the product is the math a 1099 worker cannot easily do alone: net earnings from gross income and expenses, self-employment tax and the deductible half, and the resulting limits for a Roth IRA ($7,500 for 2026), a SEP (roughly 20 percent of adjusted net earnings), and a Solo 401(k) ($24,500 employee deferral plus the employer piece, up to $72,000 or $80,000 at 50 and older). For workers who drive, the engine applies the 2026 mileage split of $0.725 per mile for January through June and $0.76 for July through December.

The account. Today, a Roth IRA held at a FINRA/SIPC-member broker-dealer in the user's name. Gigaverse opens Solo 401(k) and SEP IRA plans through its custodian partner, with applications open now, and provides the contribution math, tracking, and a year-end CPA hand-off alongside them, so a user who adopts a Solo 401(k) elsewhere can still track it in the app.

Tracking and deadlines. Contributions across accounts, the December 31 deferral election for a Solo 401(k), the extended-due-date deposit window, and year-to-date progress against each limit.

Education and the Saver's Match logic. Beginning January 1, 2027, the federal Saver's Match pays up to $1,000 into a non-Roth IRA for qualifying contributions, including Roth contributions, under MAGI phase-outs of $20,500 to $35,500 single, $30,750 to $53,250 head of household, and $41,000 to $71,000 joint. The app identifies likely-eligible users and explains where the payment lands; the public version of that explanation is the Saver's Match Roth rule page.

The CPA hand-off. A year-end summary the user can give a preparer, with the Schedule C estimate, contribution amounts, and deadlines.

Compliance posture. Gigaverse is pursuing SEC RIA registration. Until approved it does not provide personalized investment advice; the user directs their own account at the broker-dealer. Gigaverse supplies the promoter disclosures and written agreement required under SEC Marketing Rule 206(4)-1 for any compensated partner.

The API. REST and MCP interfaces for embedding, with a human-confirm step before any account is opened.

What the partner provides

Distribution and brand. The partner's users see the partner's name, colors, and placement. Gigaverse is disclosed as the provider where regulation requires it, primarily in the account-opening flow and the Marketing Rule disclosure.

Context data, with consent. With the user's explicit permission, the partner can pass year-to-date gross payments or earnings so the contribution estimate starts from real numbers. The partner does not pass bank credentials or move money.

Placement decisions. Where in the partner's product the retirement resource appears, and how it is described. Gigaverse supplies language that stays on the right side of worker-classification rules: "a resource for independent workers," not "a benefit we provide."

First-line support. The partner handles questions about its own product; Gigaverse handles questions about contributions, accounts, and the app.

The disclosure to users. Where the partner is compensated, the user receives the promoter disclosure Gigaverse supplies, stating that the partner is compensated, the material terms, and the conflict. The partner delivers it at the point of referral.

What neither party charges on assets

This is the section to read twice.

Gigaverse charges the user a subscription. Monthly or annual, flat. It does not charge a percentage of the account balance, a per-trade fee, or a per-contribution fee.

Gigaverse pays the partner a share of that subscription, or a flat per-seat licence fee. It does not pay per account opened, per deposit, per enrollee, or basis points on assets. The reasons are legal, not commercial. Payment tied to account openings or deposits resembles transaction-based compensation under Exchange Act Section 15(a) and FINRA Rule 2040. A share of advisory fees, however labeled, would violate the rule that an SEC-registered adviser cannot share fees with unregistered parties. And where a partner is compensated for referrals above $1,000 in twelve months, the Marketing Rule requires a written agreement and promoter disclosure, while some states require paid solicitors of advisory clients to register as investment adviser representatives. The how we make money page states this for users in the same terms.

The partner charges its users whatever its own product charges. If the partner bundles the retirement app into a paid tier, that is the partner's pricing. If the partner resells seats, the price is set in the partner agreement. In neither case is anyone paid on assets.

Fund expense ratios are the one asset-based cost in the stack, and they belong to the fund providers, not to Gigaverse or the partner. The app favors low-cost index funds, and the user can see the expense ratio before investing.

What the user is not promised

A white-label partner should be as careful as Gigaverse is about what the product does not claim.

• •No guaranteed returns. Growth illustrations in the app use 6%, the rate the Treasury uses in its own Saver's Match projections, and are labeled as illustrations.
• •No FDIC or SIPC protection of the app itself. The broker-dealer is a SIPC member; Gigaverse is software.
• •No Solo 401(k) or SEP account today. Those Solo 401(k) and SEP IRA applications are open. The app provides the math, tracking, and CPA hand-off for them now.
• •No investment advice until Gigaverse's RIA registration is approved.

Sizing the opportunity honestly

MBO Partners counted 72.9 million independents in 2025, including 11.5 million independent professional-service providers (https://www.mbopartners.com/blog/press/2025-state-of-independence-reveals-growing-talent-strategy-for-business). Only 15 to 18 percent of self-employed people use a Solo 401(k) (https://www.solo401k.com/blog/solo401k-adoption-growth-statistics-usa). For a benefits platform with a large 1099 user base, the addressable population is most of that base. The conversion rate will be what it is; the free tools are a reasonable proxy for the top of the funnel.

Where Gigaverse fits

Gigaverse is a subscription retirement app for 1099 workers offered under a partner's brand. Today it provides a Roth IRA through a FINRA/SIPC-member broker-dealer, the contribution engine, tracking, education, and a CPA hand-off; Solo 401(k) and SEP IRA applications are open now. It is pursuing SEC RIA registration, does not guarantee returns, and plans an advisory fee only on an optional managed portfolio once its SEC registration is effective, which partners never share in. Partners receive subscription revenue share or a flat per-seat licence, with Marketing Rule disclosures built in. The commercial terms are on the benefits platform partner page.