Free retirement plans for small business
Gigaverse is a white-label tax prep, tax filing, and retirement platform for small businesses. It is free for the business, employees, and contractors. There is no signup fee.
Gigaverse AI is a white-label tax prep, tax filing, and retirement platform. It is free for partners, their clients, and users. There is no signup fee. Solo 401(k), SEP IRA, and Roth IRA account opening is not open for consumers yet. Those accounts stay on the waitlist.
The problem
A small business is often told a retirement plan is a project: a provider, a fee schedule, and a year of setup. Contractors on the same roster are left out of most employer plans and of state auto-IRA payroll programs.
One place for the roster
W-2 employees and 1099 contractors can use the same white-label app for tax estimates. Retirement account opening for Solo 401(k), SEP, and Roth IRA is not open yet.
Next to a state auto-IRA, not against it
Where a state auto-IRA covers W-2 employees, that program still stands. Gigaverse is the additional path for 1099 work and for education while account opening is on the waitlist.
Free
No signup fee for the business, the employee, or the contractor.
How it works
Pick the depth that fits your team. Custody, disclosures and account opening are identical in all three; only the surface changes.
| Mode | What changes | Best for | Time to launch |
|---|---|---|---|
| Co-brand | Your logo alongside ours, a dedicated signup link, and a partner landing page. The app stays Gigaverse. | Firms that want to offer something today with near-zero engineering. | Weeks, not quarters |
| White-labelRecommended | Your name, colours and domain on the web and mobile experience. Gigaverse runs the product and the account plumbing behind it. | Platforms whose users should never leave your brand. | Weeks, not quarters |
| API / SDK / MCP | Embed retirement flows, earnings sync and Roth-eligibility checks directly in your own app via REST, SDK or our MCP server. | Product teams building the experience themselves. | Weeks, not quarters |
How partners are paid
Two models, and only two. Both are tied to the software, never to money moving into an account.
Revenue share on paid subscriptions
A percentage of subscription revenue from users who arrive through your integration and pay for the Gigaverse app. It is the same whether or not they ever open or fund a retirement account.
Flat per-seat / SaaS licence fee
You license the platform for your workers or clients at a fixed price per seat (or a flat annual fee) and can offer it to them free or bundled. No money changes hands based on what anyone saves.
We never pay
- Per deposit or per dollar contributed
- Per account opened or funded
- Per enrollee or per rollover
- Basis points or any percentage of assets
- Any share of advisory fees
Why: Compensation that scales with money moving into a securities product, paid to someone who is not registered, is the fact pattern for unregistered broker activity under Exchange Act §15(a) and FINRA Rule 2040. Once Gigaverse is a registered investment adviser it also cannot share advisory fees with unregistered parties, and paid promotion falls under SEC Marketing Rule 206(4)-1 (written agreement and disclosure above $1,000 in any 12 months) plus state solicitor rules. Tying partner pay to software subscriptions and seats keeps every partner on the right side of those lines without needing a securities licence.
See exactly how Gigaverse makes moneyNot an open 401(k) application
Saying the platform is free is not the same as saying a Solo 401(k), SEP, or Roth IRA can be opened today. Those stay on the waitlist. We do not charge a signup fee, and we are not paid per account or per deposit. Gigaverse Ai, Inc. is not currently a registered investment adviser.
What Gigaverse provides
- White-label tax prep and tax filing
- Retirement plan education for the business and its people
- A waitlist for Solo 401(k), SEP IRA, and Roth IRA
- Quarterly tax estimates
- A partner interest form
What you provide
- A person at the business we can email
- Whether you want co-brand or white-label
- Your own counsel if a state payroll mandate applies
Common questions
Is a small-business retirement plan on Gigaverse free?
Yes. Gigaverse is free for the business, its people, and other users. There is no signup fee.
Can I open a free 401(k) today?
No. Solo 401(k) and SEP IRA account opening is not open yet. Use the waitlist. Do not use the app download as if an account can be opened today.
Does this replace my state's auto-IRA?
No. State auto-IRA programs that cover W-2 employees still apply. Gigaverse is complementary. It does not tell an employer to skip a mandate.
Who do I contact?
Use the partner form on this page. It emails the address already on the site, [email protected].
Request a partner conversation
Tell us about your small businesses use case. A person reads every request and replies within 2 business days.
Related
Partner compensation, where any is paid, is a revenue share on paid subscriptions to the Gigaverse app or a flat per-seat software licence fee. It is not compensation for referrals to, or investment in, any securities product, and nothing is paid on deposits, accounts opened, enrollees, account balances or assets. Gigaverse Ai, Inc. is pursuing SEC registration as an investment adviser and is not yet a registered investment adviser; until registration is effective the app provides educational tools and account access only. Retirement accounts are held with a FINRA/SIPC-member broker-dealer acting as custodian; Gigaverse does not take custody of customer funds. Educational information only, not tax, legal or investment advice. Program terms may change and participation is at our discretion. All partner programs.