Lincoln, Nebraska isn’t where most people look for fintech revolutions, but sometimes the places you overlook produce the ideas you can’t ignore. That’s the story with Nestimate, the retirement analytics company founded in 2022 by Kelby Meyers. They just closed a $3 million funding round led by S3 Ventures, with PruVen Capital, TIAA Ventures, and Invest Nebraska all joining the table. This isn’t another app chasing buzz. This is infrastructure for the future of retirement.
Here’s the reality: pensions are history, Social Security feels shaky, and 401(k) plans were designed as savings vehicles, not lifetime income engines. Yet millions of Americans are about to step into retirement with no pension safety net. That’s the problem Nestimate was built to solve. Meyers, who spent a decade at Ohio National Financial Services and holds both CPFA and AIF certifications, saw the gap and decided fiduciaries needed tools sharper than marketing brochures. So he built them.
In March 2025, the company unveiled its flagship product, the Retirement Income Score(k), at the inaugural Nestimate Retirement Income Summit in St. Petersburg. This patent-pending tool runs Monte Carlo simulations at the participant level, blending actuarial frameworks with capital markets modeling. In practice, it lets fiduciaries test-drive how in-plan annuities actually impact both plans and participants. When you pair that with their algorithms for product recommendations, a structured due diligence workflow, and fee analysis tools, you don’t just get compliance, you get clarity. No more hand-waving. Just math applied with precision.
Validation has already arrived from Marcia Wagner and John Sohn of The Wagner Law Group, a Tier 1 ERISA firm. When your platform earns nods from the attorneys who live and breathe fiduciary standards, you’re not pitching theory, you’re setting the bar. That credibility is exactly why venture capital is leaning in. Charlie Plauche at S3 Ventures called out how Nestimate is breaking the inertia holding back guaranteed income in 401(k)s. Wayne Baker at TIAA Ventures pointed to the alignment with their mission of securing retirements. And Travis Skelly at PruVen Capital underscored how even their LPs are already working with Nestimate.
This isn’t just about software. It’s about leadership. Alongside Meyers is Joshua Anderson, who became COO in 2024 after roles at Franklin Templeton, Raymond James, and Fidelity. A CFA charterholder with an RI(k) certification, Anderson knows the institutional side of retirement plans inside out. Together, the team is scaling not just a product but a movement toward treating retirement as more than a lump sum.
With fresh funding and heavyweight backers, Nestimate is positioned to turn the idea of a “retirement plan” into what it always should have been: a plan for life, not just for savings. And it all starts in Nebraska.
