social-security
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Charlie
Charlie was a Los Angeles-based digital banking platform built specifically for Americans aged 62 and older. Founded in late 2021 by Oscar Health co-founder Kevin Nazemi, it offered a fee-free FDIC-insured account through Sutton Bank with 3% earnings, early access to Social Security deposits, US-based human support, and FraudShield, a suite of fraud protections designed for the population that loses an estimated $28 billion a year to financial scams. After raising $23 million in 2023, Charlie wound down operations on January 21, 2026.
Kevin Nazemi
Kevin Nazemi is the co-founder and CEO of Charlie, a Los Angeles fintech building banking specifically for Americans aged 62 and older. After co-founding the health insurance disruptor Oscar Health and later the retiree health platform Renew Health, he turned to a market almost everyone in fintech ignored: seniors collecting Social Security. Charlie launched nationwide in May 2023 with faster access to Social Security checks, no monthly fees, competitive yields, and fraud safeguards built for a generation that loses an estimated $36 billion a year to financial scams.
James Capretta
James C. Capretta is a senior fellow at the American Enterprise Institute, where he holds the Milton Friedman Chair and studies health care, entitlement programs, and the long fiscal arc of Medicare, Medicaid, and Social Security. He spent more than 16 years inside the federal government, including as an associate director at the White House Office of Management and Budget from 2001 to 2004, where he was the lead OMB official on Medicare and Medicaid policy. A market-oriented reformer who argues for consumer choice and cost discipline over centralized control, he is the author of US Health Policy and Market Reforms: An Introduction and a prolific commentator on the math of America's safety-net programs.
Marc Goldwein
Marc Goldwein is the Senior Vice President and Senior Policy Director at the Committee for a Responsible Federal Budget (CRFB), where he has become Washington's most-quoted referee of how much the federal government can afford. A two-degree Johns Hopkins economist who once ran track for the Blue Jays, he helped staff the Simpson-Bowles Fiscal Commission and the 2011 'Super Committee,' teaches economics on the side, and now spends his days scoring the price tag of nearly every major bill and campaign promise. He talks fast, deploys statistics faster, and has made a career of telling both parties the same unwelcome thing: the math does not add up.