In this guide

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  • Frequently asked questions
  • Your reviews
  • Ask a question
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Our verdict

Find and consolidate old 401(k)s and get a managed portfolio with Beagle.

Consider Beagle if you want to discover all your old 401(k)s and any hidden fees through a comprehensive 401(k) search service. Beagle also provides automated ETF investing services if you choose to roll over your 401(k) to Beagle. Look elsewhere if you're satisfied with a free 401(k) search service that may not locate all your old accounts.

Best for: Beagle is best for individuals looking for a comprehensive old 401(k) search service.

Pros

  • Comprehensive 401(k) search service
  • Borrow from your Beagle 401(k) or IRA with 0% net interest
  • Beginner-friendly platform
  • Robo-advisor available if you roll over your 401(k) to Beagle

Cons

  • Plan fees apply for 401(k) searches
  • No mobile app

In this guide

  • Our verdict
  • Frequently asked questions
  • Your reviews
  • Ask a question

Beagle is best for individuals who want a comprehensive search service for old 401(k)s

While free retirement account search services are available through government programs, these programs rely on employers or custodians holding your retirement money to register you on the site as having an unclaimed retirement account for the tool to potentially populate results. This means these search services may not always be reliable.

Beagle’s a 401(k) search service that’s ideal for anyone who wants to locate all their old 401(k)s in minutes through an easy-to-use platform. Beagle also makes it easy to consolidate your old 401(k)s under one roof and offers an automated portfolio of exchange-traded funds (ETFs) so you can locate, consolidate and continue to invest with ease.

What you can trade on Beagle

  • Exchange-traded funds (ETFs)

Account types available with Beagle

  • Self-directed brokerage account
  • Individual retirement accounts (IRAs)
  • 401(k)s

Where Beagle shines

Beagle first and foremost offers an easy solution to help you locate your old 401(k)s that you may have forgotten about or lost after changing jobs. Whereas existing 401(k) search services may provide spotty results because these government databases rely on employers and plan custodians to upload information, Beagle positions itself as a comprehensive 401(k) search service.

For those who choose to consolidate their old 401(k)s, Beagle can then manage the rollover process. It offers portfolios of exchange-traded funds managed by investment advisers, and there is no minimum account size. Similar to other robo-advisors, it will automatically rebalance your portfolio and reinvest dividends. You can also borrow from your individual retirement account (IRA) or 401(k) at 0% net interest. While you pay a 9.25% interest rate on the loan, you pay the interest back to yourself, not Beagle. It provides all this on a streamlined and easy-to-navigate platform.

Where Beagle falls short

While Beagle lets you borrow money from your Beagle 401(k) account with zero net interest, it does charge a processing fee of 1% of the loan amount or up to $99 for each time a loan is funded. Beagle says this is to cover services rendered to transact the loan, provide record keeping or process scheduled repayments.

Beagle also does not offer a free trial for new users to see if it’s a compatible fit. Beagle’s investment account option also heavily focuses on ETFs, which may be a con for users who prefer a diverse portfolio of several asset types.

Beagle’s fees

Fee typeFee amount
Monthly advisory fee for optional robo-advisor$3.99/month
Incoming wire transfer$8
Outgoing wire transfer$25
Returned checks, ACH and wires$30
Outgoing ACATS$75
Paper confirmations$2 each
Paper statements$5 each
Retirement account termination$30

Beagle’s plans

PlanPlan feeFeatures
Starter$25 one-time fee if Beagle finds 3+ 401(k)s, otherwise $19Locate up to 5 401(k)s, an additional search to find up to 2 more accounts
Standard$45 one-time fee if Beagle finds 3+ 401(k)s, otherwise $39Everything in Starter plan, plus:
  • Early access to old 401(k) funds
  • Account
Premium$45 (every 3 months)Everything in the Standard plan, plus:
  • Meet with a financial coach
  • 401(k) account monitoring
  • Unclaimed asset database monitoring
  • 401(k) holdings review and optimization

Is Beagle legit?

Beagle is a legitimate company and is an SEC-registered investment advisor. All securities up to $500,000 are insured. Beagle was founded in December 2020, according to Crunchbase data, by Cyprus Ghazanfar, Jeffrey Tha and Shuo Jiao and is based in San Alto, California

Beagle’s platform is easy to navigate

Beagle’s platform is user-friendly and easy to navigate and offers step-by-step directions to discover your old 401(k)s.

Beagle’s platform

Beagle’s platform is easy to navigate for new users. New and prospective clients start their journey by filling out basic details such as name, Social Security number, address, date of birth and former employer information. Then users can either manually enter former companies that managed their 401(k) or let Beagle do its research. If users opt for the latter, the system generates estimated fees they would have to pay for their specific 401(k) account over a 15-year time horizon.

Users then can opt for a $45 standard one-time rollover option or recurring premium option for $45 every three months to access features such as financial coaching and on demand 401(k) monitoring. If clients choose to skip this process, they are then given the option to take out a 401(k) loan.

beagle estimated 401k fee screenshot 1

beagle estimated 401k fee screenshot 2

Beagle’s reviews

App storeRatingTotal reviews
Google PlayNoneNone
Apple StoreNoneNone

Beagle’s customer support

Reach Beagle’s customer support in two ways:

  • Email
  • Online form

How to open an account with Beagle

Take the following steps to open an account with Beagle:

  1. Go to the Meet Beagle website and select Get started or Start here.
  2. Enter your name and email address and select Get started. Then, enter personal information, such as your address, date of birth and Social Security number.
  3. Read and agree to Beagle’s authorization letter and select Continue when finished.
  4. Enter your job history information to help Beagle with locating old 401(k)s.
  5. Choose between the Starter, Standard or Premium account tiers and enter your credit card information to see your results, or select I’ll skip for now.
  6. Complete the application by responding to the prompts and then finish by navigating to your account dashboard.

Eligibility and required information

  • At least 18 years old
  • Valid Social Security number
  • US citizen or lawful permanent citizen with a physical address
  • Email address

How safe is Beagle?

Beagle limits access to personal information only to certain staff members who need your information to fulfill their jobs. The company also has implemented password protection, encryption techniques and firewalls to protect user data.

Frequently asked questions

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