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Millennials change jobs often, and when they do, many neglect to bring along their 401(k)s, put off by the hassle of long phone queues and locating obscure documents. Gaurav Sharma co-founded Capitalize to make the process less arduous. Simply enter the names of former employers or retirement-account providers, and Capitalize does the rest—unearthing accounts, handling paperwork and suggesting IRAs where old money can make new gains. Since launching in 2020, the free service—it makes money through referral bonuses when customers set up IRAs—has helped tens of thousands of users roll over millions of dollars. —Abby Vesoulis

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