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Jan 25, 2025

404Harmony’s Fractional Operating Model Empowers Custodia Financial to Launch Innovative Retirement Offering in Record Time
404Harmony’s Fractional Operating Model Empowers Custodia Financial to Launch Innovative Retirement Offering in Record Time

A Revolutionary Approach to Retirement Solutions


404Harmony, a pioneer in strategy and operational innovation for startups and high-growth companies, has played a pivotal role in helping Custodia Financial launch a cutting-edge retirement offering for the workplace. Leveraging 404Harmony’s unique model, Custodia Financial brought a direct-to-plan-sponsor version of their retirement loan protection product to market at a fraction of the cost and time of traditional methods, redefining efficiency and impact in launching new businesses, even in regulated industries.


Custodia Financial’s new financial wellness solution addresses the critical issue of loan defaults within workplace retirement plans. Says Tod A. Ruble, CEO and Co-Founder of Custodia Financial, “We assessed several models to help us build a direct product for plan sponsors, complementing our existing integrated offer available through recordkeeping platforms. 404Harmony delivered a team that exceeded every expectation, coming in on budget, before deadline, and beyond initial scope.” 

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