Abstract: A computer implemented system/method carried out over one or more networks for consolidating retirement accounts owned by an owner, comprising: receiving an electronic data record from a first record keeper for a first retirement account owned by the owner; searching databases and/or sending search requests to one or more account record keepers including said first record keeper for one or more other retirement accounts owned by the owner; and consolidating the first retirement account into the one or more other retirement accounts upon finding the one or more other retirement accounts account.

Abstract: A method performed by one or more processing devices, via one or more networks, for the proactive, without initiation by an owner of a first retirement account, and automatic portability of the first retirement account, comprising: automatically searching databases or sending search requests to one or more record-keepers for a second retirement account owned by the owner; and sending a negative consent notification having a date to the owner of the first retirement account; wherein the negative consent notification advises the owner that unless the owner provides other instructions within a time period from the date, the first retirement account shall be rolled over, in-whole or in-part, into the second retirement account or vice versa.

Abstract: A computer implemented system/method carried out over one or more networks for consolidating retirement accounts owned by an owner, comprising: receiving an electronic data record from a first record keeper for a first retirement account owned by the owner; searching databases and/or sending search requests to one or more account record keepers including said first record keeper for one or more other retirement accounts owned by the owner; and consolidating the first retirement account into the one or more other retirement accounts upon finding the one or more other retirement accounts account.

Abstract: A computer implemented system/method carried out over one or more networks for consolidating retirement accounts owned by an owner, comprising: receiving an electronic data record from a first record keeper for a first retirement account owned by the owner; searching databases and/or sending search requests to one or more account record keepers including said first record keeper for one or more other retirement accounts owned by the owner; and consolidating the first retirement account into the one or more other retirement accounts upon finding the one or more other retirement accounts account.