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About Retirement Clearinghouse (RCH)

Originally founded in 2001 as RolloverSystems, Charlotte, NC-based Retirement Clearinghouse (RCH) is a financial technology ("fintech") services organization that works with plan sponsors and service providers to move participants' retirement savings forward, solving the small account problem.

RCH's core philosophy is to leverage innovative financial technology that greatly simplifies and streamlines account consolidation processes, while delivering participants personalized education and assistance -- all significantly improving the odds that job-changing participants will move their retirement savings forward and avoid the high cost of cashing out.

RCH is an innovator, pioneering solutions that are proven to deliver unprecedented benefits to America's defined contribution system, including auto portability.

Auto portability is the routine, standardized, and automated movement of a retirement plan participant’s 401(k) savings from their former employer’s plan to an active account in their current employer’s plan. Auto portability was conceived and developed by RCH to meet the needs of participants with small account balances and subject to mandatory distributions, or automatic rollovers, and is designed to work within the existing platforms and data flows of the nation’s qualified plan system through the industry-led Portability Services Network.

The Employee Benefit Research Institute (EBRI) has estimated that full implementation of auto portability could generate an additional $2 trillion in retirement savings.

Retirement Clearinghouse, LLC is headquartered in Charlotte, NC, and has two wholly-owned subsidiaries:

  • Securities are offered through RCH Securities, LLC, a wholly owned subsidiary of Retirement Clearinghouse, LLC and a member of FINRA ( Check the background of RCH Securities on FINRA’s BrokerCheck.
  • RCH Shareholder Services, LLC is a wholly owned subsidiary of Retirement Clearinghouse, LLC and a registered transfer agent with the U.S. Securities and Exchange Commission.

Retirement Clearinghouse is a proud member of the RLJ Companies, an innovative business network founded by Robert L. Johnson, that provides strategic investments in a diverse portfolio of companies.

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