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.