About Consort
Redefining the Rollover Experience for Millions of Participants
Consort was founded to transform one of the most overlooked — and most impactful — moments in a participant’s financial life: consolidating and rolling over their retirement assets. We are building the modern infrastructure that unifies participant accounts, reduces plan leakage, and brings clarity to a process that has long been defined by confusion.
Our Purpose
Consort’s mission is to make the rollover experience pleasant, intuitive, and transparent — while giving participants a deeper understanding of their retirement assets, the benefits of fiduciary oversight, and the institutional pricing they stand to gain by staying engaged.
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We aim to establish the industry standard for rollovers without asking the industry to rebuild itself. Providers, advisors, TPAs, and enterprise institutions can adopt Consort without re-architecting their technology — and participants benefit from a modern, guided experience that simplifies every step.
The Problem We're Solving
Each year, millions of participants change jobs, and most leave their retirement accounts behind. Rolling over assets should be simple — but historically, it hasn’t been.
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Participants face:
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Inconsistent provider instructions
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Long call-center queues
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Paperwork confusion
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A lack of clear direction at critical moments
This broken experience has contributed to large-scale leakage in the defined contribution industry, weakening long-term retirement outcomes across the U.S.
Consort solves this problem with a scalable, enterprise-first approach that brings clarity, structure, and modern experience design to the rollover process.
Our Vision
We envision a future where abandoned retirement assets become a thing of the past.
Consort’s long-term vision is to:
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Dramatically reduce the volume of unclaimed and orphaned retirement accounts
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Establish a rollover standard at the moment of enrollment
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Enable participants to consolidate their assets with ease
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Provide institutions with a white-labeled platform that strengthens their participant relationships
Disruption without disorder is at the heart of Consort’s philosophy — transforming the participant experience while removing burden from the entire retirement ecosystem.
The Consort Difference
Consort stands apart through a combination of enterprise rigor and innovative participant-centric design.
Enterprise-First Infrastructure
Built for institutions managing millions of participants — with reliability, security, and scale at the forefront.
Behavioral-Science-Informed Experience
Our guided flows leverage behavioral insights to reduce friction and increase completion.
Modern Digital Journeys
A clean, intuitive participant experience that replaces legacy call-center workflows.
Advisor-Aware Architecture
Advisors gain meaningful visibility into participant activity, enhancing support without adding unnecessary tools.
Synergy Between Solutions
The Rollover Solution and Jo™ SaaS operate independently — yet together provide a powerful engagement infrastructure that strengthens every stage of the participant lifecycle.
Founding Story
Transforming your retirement plan rollover experience.
Consort was founded in 2024 with a singular insight: the retirement industry needed a scalable solution to consolidate abandoned assets and standardize rollovers at enrollment.
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The rollover experience had gone largely unchanged for decades — creating poor outcomes for participants and unnecessary burden for institutions. Consort was created to solve this system-wide problem with a modern, enterprise-ready approach grounded in decades of industry experience.
Leadership
Tony Mingo
Founder & Chief Executive Officer
With 31 years of experience in financial and technology fields, Tony has brought numerous solutions to market across hardware, software, professional services, financial services, and SaaS. His background includes deep integration work with the largest 401(k) recordkeepers and more than 50 service providers, giving him unique insight into the operational realities of the retirement ecosystem.
Our Team
Consort is built by an enterprise-first team with deep expertise across retirement operations, financial technology, and participant experience. We design for scale, reliability, and long-term partnership — supporting providers, advisors, and TPAs as they serve millions of participants across the country.
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Leadership Team
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Joey Mingo — Chief of Staff
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Heather Hooper — VP of Advisor Relations
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Shane Fowler — VP of PEO Relations
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Christine Kim — VP of Marketing
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Jason Dyer — VP of Technology and Product
Our Values
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Participant Empowerment — Give participants confidence, clarity, and control.
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Reducing Leakage & Improving Outcomes — Strengthening long-term retirement security.
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Enterprise Reliability — Built to meet the needs of large, complex institutions.
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Security & Trust — Safeguarding participant data and institutional integrity.
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Behavioral-Science-Informed Design — Using human-centered insights to improve action.
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Modernizing Legacy Workflows — Bringing retirement processes into the digital age.
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Partnership & Collaboration — Supporting providers, advisors, and TPAs.
Our Product Philosophy
Consort’s approach to product is grounded in four principles:
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Simplicity — Clear, guided experiences for participants and stakeholders
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Data-Driven Decisions — Informing design with real participant and institutional insights
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Automation — Reducing friction and eliminating unnecessary steps
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Human-Centered Behavioral Insights — Designing with participant psychology in mind
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These principles shape every part of our platform.
We’re building the future of rollover infrastructure — and empowering participants at scale.
Learn how Consort can modernize the rollover experience for your institution.
