Highlighting FinTech Leaders: Rhian Horgan (Kindur)

“We’re building and defining a new category. We have a unique opportunity to enable a large portion of retirees to feel secure and excited as they enter retirement”




Rhian Horgan headshot


10,000 Boomers retire each day – and this trend will continue through 2030. This 75-million strong ‘silver tsunami’ is a force of nature reshaping retirement. Too soon to talk about retirement? You may prefer a pre-tirement – a process, not a distinct retirement event.

Wherever you are in your journey sailing into the West, NYC-based Kindur has you covered. A modern-day financial coxswain, these folks will steer you and your nest egg to safer waters. A 2018 $9M Series A means the team will retrofit your retirement yacht with anti-Scylla technology. This one-stop digital shop for retirement planning will help make your beach house a reality.

Officer of the deck at Kindur is Rhian. She comes to the retirement space with deep financial know-how and is backed by a team committed to making retirement fearless. Let Rhian and her crew show you the way.

Kick up your boots and join us for this insightful interview with Rhian…


Tell us about Kindur in a few words?

Smart, automated advice for modern retirees.


What’s a fun fact about yourself?

I was born in Wales and grew up in England and Ireland. By the time I graduated high school in the States I had attended 10 different schools. Looking back, I think this helped me learn how to start over (and over), a lesson that certainly was helpful in my journey at Kindur.


Dinner with 3 people from any time across history, who would they be and why?

Bill and Melinda Gates (I watched the Netflix series recently and was so impressed with their ‘second act’), Margaret Thatcher (I met her briefly when I was in colleague and the more I have learned about her unique strengths, the more impressed I am) and the Dixie Chicks (yes, I’m a country girl at heart and have loved their concerts at Madison Square Gardens!)


If you could pick any job in the world, what would it be? Aside from your current hustle.

I’m intrigued by the world of architecture and design. As a consumer building or remodeling can be both one of the most frustrating but also exciting experiences. Its seems like a perfect place for some customer focused innovation.


What’s your favorite thing about working where you do?

We’re building and defining a new category. We have a unique opportunity to enable a large portion of retirees to feel secure and excited as they enter retirement.


What’s your company look like 5yrs down the road?

We’re the destination for baby boomers to retire fearlessly. A community that is the one stop to secure financial wellness in retirement.


What keeps you up at night and why?

We’re helping customers make high consequence decisions that they often can’t reverse. Every day, and night, I’m thinking about how we can help these consumers have confidence in their retirement decision. They all remember 2008 and there is still a trust re-building effort that is ongoing.


What do you think about the future of FinTech that your colleagues don’t all agree with?

We’re still putting a lot of capital against companies that build products for urban millenials…. and there a lot more markets out there that fintech can support. While there is a playbook for urban millenials, we all need to lean in and develop those playbooks together for all the other demographics, or risk them being left behind.


What (other) bank, FinTech, or VC do you have the most admiration for and why?

I’m most impressed with the ecosystem of companies that have become the rails for fin-tech (quovo, plaid, stripe) which enables startups like mine to quickly bring new products to market and allow us to focus on the areas where we can be truly differentiated.


How do we make the FinTech community even stronger?

There is a unique challenge and opportunity in fintech around bringing together domain experience from financial services and a consumer 1st/ tech mindset from the tech community. Its tricky to blend these cultures within a company but when done well can lead to much more powerful solutions for customers.


Does Libra scare you? Why or why not?

Honestly, I don’t have the brain space to think about it!


Which tech giant will leap into banking first and why? (Amazon, Microsoft, Google, Apple, etc)

Well, I think we have seen them all take a version of the first step. I think this will be an interesting lesson around what the end consumer wants– and which companies are best positioned to listen to their customers.


Where do you find your inspiration?

I have two young children (ages 5 &7) and have been amazed to watch their journey with technology– how quickly they hacked Alexa, their ability to grasp early coding concepts, and to binge the new Disney+. Seeing how they navigate technology has taught me a lot about how great UX drives adoption.


Why did you decide to start your startup?

I was helping my parents prepare for retirement and stumbled upon the Barnes and Noble ‘retirement’ section. When I saw the 300 page book on social security I knew there was an opportunity to improve the user experience!


Why/how will your company win? What’s the unique edge?

We’re uniquely focused on designing for this demographic. Its been part of our DNA from day 1 and we’re committed to leading design for the age 55+


What is the coolest thing happening right now in FinTech, in your opinion? Who is doing it well?

I’m excited by the work NYC Fintech Women is doing to rally and grow the female fintech community. If we’re going to be effective building for the diversity of america, it has to start in each of our companies.

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