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Ubiquity Retirement + Savings™ is one of the best 401(k) companies in the U.S. and has helped over 100,000 employees contribute over $3 billion towards their retirement since 1999.

As one of the first flat-fee-for-service small business plan providers in the nation, Ubiquity delivers peace of mind with zero hidden fees. The company is headquartered in San Francisco with satellite offices from coast to coast.

Ubiquity exclusively serves American small businesses:

  • Over 9,000+ businesses, and hundreds of thousands of savers
  • Over $3B in retirement assets
  • Clients in all 50 states

More than a decade of awards and recognition:

  • 2020 Wealthies Circle Award finalist
  • Awarded INC 5000 fastest-growing private companies in America for 11 years in a row
  • SF Business Times’ 100 Fastest-Growing Bay Area Private Companies
  • Fortune Inner City 100, a list of the fastest-growing inner city businesses in the U.S.
  • San Francisco Business Times Top 50 FinTech companies
  • Certified as a Freedom-Centered Workplace and has made the WorldBlu List of Most Freedom-Centered Workplaces
  • PLANSPONSOR Ranking: 51

Service Organization Control (SOC) Compliant

Ubiquity Retirement + Savings is proud to announce that we have completed the requirements for a Service Organization Control (SOC) 1, type 2 Audit and Service Organization Control (SOC) 2, type 1 Audit covering our Paradigm Recordkeeping System as well as Ubiquity’s internal controls.

The SOC 1 standard covers internal controls relevant to financial reporting at service organizations. The SOC 2 standard covers internal controls relevant to security, processing integrity, along with confidentiality and privacy of the information processed by the service organization’s systems. Ubiquity’s continued investment in our audit and reporting demonstrates our year over year commitment to ensuring complete and accurate financial accounting, security, and information technology controls over our proprietary Paradigm Recordkeeping platform.

Armanino is the largest California-based CPA and consulting firm and one of the top ten fastest-growing large accounting firms in the nation.

Get to Know Ubiquity

“I am the plan administrator for our Ubiquity 401(k) plan. I wanted to take a moment to commend Tony and his team. They all are very knowledgeable and have helped me with any question I may have. I have found them friendly and easy to reach either by phone or email.”

- Barb Tews, Meridian Management

Ubiquity’s Executive Leadership

Chad Parks, CEO + Founder

Chad Parks is CEO and founder of the first online and flat-fee retirement service for small businesses: Ubiquity Retirement + Savings, formerly The Online 401(k). Known for his unique and irreverent approach to business and the financial industry as a whole, Chad is regularly quoted in national publications, including The Wall Street Journal, The New York Times, Fox Business, Yahoo! Finance, USA Today, CNN Money, Bloomberg Wealth Manager, Business Week, Entrepreneur, and Plan Sponsor for his passion for small business and entrepreneurship.


Mary Torgerson, Chief Operations Officer

As Chief Operations Officer (COO) at Ubiquity, Mary Torgerson oversees six of the company’s core focus areas, including major accounts relationship management, financial operations, product innovation, business intelligence, client experience, and Paradigm RKS™. Mary was promoted in 2016 from VP of Sales to COO and helped lead the company in the transition from their legacy software system to Paradigm RKS™. Mary leverages her institutional knowledge as one of our longest-tenured team members and a veteran of the software industry to power Ubiquity to the next level of its evolution. Mary holds a Bachelor of Arts degree from Lakeland College.


Andrew Meadows, SVP of HR, Brand, + Culture

Andrew Meadows brings over two decades of experience in the retirement savings space to his role as SVP of HR, Brand, + Culture at Ubiquity. He specializes in building new and innovative processes to better manage key client relationships and partnerships, maintain consistent internal and external brand messaging and cultivate the unique company culture that sets Ubiquity apart. Andrew is a passionate advocate for savers and small businesses and is frequently called upon by distinguished members of the media such as The Wall Street Journal, MarketWatch, and FoxBusiness.com for his expert insight on these areas. Andrew holds a Bachelor of Science degree from Appalachian State University.


“By partnering our services, we can provide a streamlined solution that empowers employees to make decisions about consumer-driven healthcare creating a long term plan for retirement savings.”

- Jon Kessler, President and CEO, HealthEquity

Ubiquity’s Leadership Team

John Farmakis, Jr., SVP of Business Development

As SVP of Business Development at Ubiquity, John Farmakis is directly responsible for driving revenue growth by securing strategic distribution partnerships with firms across the financial services, insurance, advisor and payroll/HCM industries. Throughout his 40+ year career, he has achieved demonstrative success by building and delivering highly successful partnerships and results at such firms as IBM,The Walt Disney Company, ADP Retirement Services, and several large recordkeeping organizations. John’s robust experience in the defined contribution marketplace fuels Ubiquity’s growth and ability to support small businesses with low-cost, transparent retirement plan offerings. He holds a Bachelor of Science degree from Williams College.


Nasrin Mazooji, SVP of Compliance and Regulatory Affairs

Nasrin Mazooji joined Ubiquity in 2013 and currently serves as SVP of Compliance and Regulatory Affairs. Her expertise in managing the legal, regulatory, and governmental complexities of retirement make her a natural fit for this role. She ensures the timely execution and accuracy of many aspects of compliance, contracts and agreements, legal disclosures, risk management, internal and external audits, and corporate governance. She also oversees strategic planning to keep Ubiquity running smoothly and maximize the company’s impact on the industry. Nasrin holds a Bachelor of Science degree from the University of California, Santa Barbara.


Tim Cowart, SVP of Finance & Accounting

As Ubiquity’s SVP of Finance & Accounting, Tim Cowart monitors and evaluates corporate financial strategy with an emphasis on long-term financial and operations planning, capital requirements, and enhancing shareholder value. Tim has 30 years of multi-industry experience leading finance teams, raising equity and debt capital, and performing corporate M&A. His experience includes cofounding a publicly traded European satellite communications company that grew to over $200 million in five years and serving as CFO to numerous venture backed companies in the San Francisco Bay Area. He holds a Bachelor of Science Degree in Finance & Accounting from Menlo College and a Master of Business Administration degree from the University of Southern California.


Bill Minogue, VP of Operations and Strategic Alliances

As VP of Operations and Strategic Alliances, Bill Minogue manages four operational departments. He also is responsible for onboarding external partnerships to bring new and innovative retirement solutions to the small business market. Bill has a proven track record for developing strong teams and processes that are operationally sound and scalable. He has over 35 years of experience in the financial industry, having served in managerial roles with CitiStreet, ING, and Ascensus. Bill holds an accounting degree from the Lubin School of Business at Pace University.


Lisa Tennyson, VP of Marketing

As Ubiquity’s VP of Marketing, Lisa Tennyson leads demand generation, brand strategy, and public relations. From her early career at Walt Disney Studios to her time building healthcare delivery disruptor One Medical, Lisa has excelled in developing innovative marketing strategies that not only acquire new customers, but build long-lasting, admired brands. Her experience in creative brand building and passion for storytelling have served as key drivers of her marketing success. Lisa holds a Bachelor of Arts degree from the University of California, Los Angeles.


Our Values


We are a do-ocracy

We have a higher purpose, not a hierarchy. We’re in a constant state of (r)evolution. Do epic _____.


Find your inner hero.

Have the courage to take the first step. Leap and the cape will appear.


Be a spork

Have the utility of the whole silverware drawer. Act with clever curiosity. Know when to strike and when to scoop.


Cultivate joy

Inspire happiness with contagious enthusiasm. Own your joy and lend it out.

“We celebrate curious, abstract thinkers. We are an ever-evolving, passionate, and diverse family from all walks of life. Even though we’re made in San Francisco, our people come from all over the globe.”

Join us

Ubiquity is hiring smart and passionate people to work in a fast-paced and team-driven environment. Offering competitive benefits including health insurance, a 401(k) match, stock options, and flexible work schedules, Ubiquity celebrates the broad diversity of our team and boasts extremely low attrition rates. Start here to find your career and your opportunity to rise with Ubiquity.

Schedule Your Free Consultation

Our team is ready to show you how easy saving can be.

Start here to set up your own plan with Ubiquity.
Get Started

© 2022 Ubiquity Retirement + Savings
Privacy Policy
Do not sell my info
44 Montgomery Street, Suite 3060
San Francisco, CA 94104
Support: 855.401.4357

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© 2022 Ubiquity Retirement + Savings
Privacy Policy
Do not sell my info
44 Montgomery Street, Suite 3060
San Francisco, CA 94104
Support: 855.401.4357

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