A pension is one of the most powerful financial tools a person will ever own.
The platforms that deliver them haven't kept up.
Pensions Remain Extraordinary
One of the most powerful ways a person can secure their financial future.
The World Has Changed
Fintech-grade tools. Instant clarity. Members carrying their financial lives in their pockets.
Platforms That Deliver Pensions Have Not
Members feel the gap and plans pay for it.
See Keel in Action
The first pension platform built from the ground up in a generation. No legacy code. No inherited constraints. No compromises.
Workflow By Design
Most pension platforms bolt workflow onto administration. Keel is workflow.
Every submission from a member, an employer, or an internal team — enters a single engine. Validated and routed to the right person based on real capacity. Tracked end-to-end.
Routine work automates. Complex cases surface immediately. Nothing waits in an inbox. Nothing gets lost.
Built From the Ground Up
The first pension platform built from the ground up in a generation. Every design decision made for today’s requirements, and tomorrow’s.
True Dual-Entry Accounting
Real-time debit-and-credit integrity across every financial transaction, and real payment clearing — inbound and outbound — built on top of it.
Configuration-First Architecture
New plan types, employer provisions, and regulatory changes deploy through rules, not rebuilds. What takes months elsewhere takes days here.
Cradle-to-Grave Fund Tracking
Every dollar carries its full history, from contribution to decumulation. Source, jurisdiction, locking, vesting.
Purpose-Built Experiences
Enrolling in a plan, choosing a retirement income, and designating a beneficiary are all different decisions with different emotional weight. We design them that way. No generic forms.
An AI-Ready Foundation
Structured data, clear metadata, and atomic transaction histories all enable a foundation that lets pension organizations move into an AI-enabled future.
Multi-Factor Authentication
Role-Based Permissions
Forward-Scheduled Transactions
Relevant Notifications
Full Document Management
North American Jurisdictional Coverage
Configurable Retention & Disposal
Anti-Spam-Compliant Communications
Real-Time Dashboards
Regulatory Reporting
Secure File Storage
Rest & In-Transit Encryption
Backup & Disaster Recovery
Cloud Environment Preferences
Three Experiences.
One Platform.
Employers
A sophisticated B2B tool built for the HR and payroll reality of serious employers.
Members
A pension system that members can see, understand, and trust.
Administrators
Let experts focus on the work that actually requires them — not manual workarounds.
Who We Are
Keel is a team of 25+ engineers, designers, accountants, and product people with more than two decades of experience building complex systems for regulated industries. Pension delivery has fallen behind. We built Keel to pull it forward.
In Motion
Two multi-year implementations approaching go-live. Real pensions, on the way to real members.
A team that has delivered for more than two decades. Regulatory systems for a pension regulatory agency. Benefit logic reverse-engineered from legacy mainframes. Technology mandates across regulated industries.
Get a First
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If you’re rethinking what pension delivery should look like, we’d like to show you what we’ve built.
inquiries@keelpensions.com
1965 Broad St, Unit 200
Regina, SK S4P 1Y1
© Keel Inc. 2026