John Pan

John Pan founded NestPilot Foundation Inc. after years of watching capable, financially literate Americans — including family and close friends — make irreversible five-figure mistakes on retirement decisions because the math was hidden behind fiduciary-advisor pricing they couldn't justify.

Background

The founder's background spans software engineering, financial-decision modeling, and the architecture of trust-critical systems. Before NestPilot, the founder spent over a decade building enterprise software where the consequences of getting decisions wrong were expensive, irreversible, and visible — the same properties that define retirement decisions.

Why a Foundation, not a startup

Two reasons. First, distribution. Retirees, pre-retirees, and the community organizations that serve them don't trust commercial financial tools, and shouldn't — the unit economics of consumer fintech reward conversion to products, not literacy. A 501(c)(3) is the only structure that can earn durable trust in this space.

Second, evidence. Foundation programs are designed for measurement: pre/post literacy surveys, IRB-compliant data, peer-reviewed publication. The point is not to build the biggest user base; it's to demonstrate that AI-conversational retirement planning measurably improves decisions, then make that evidence available to the field.

Contact and disclosures

John Pan serves as President and Director of NestPilot Foundation Inc. — an unpaid role at the Foundation. He is also the sole Member of NestPilot LLC, a separate Florida limited liability company that develops paid retirement-planning software. The two entities are legally distinct, with separate boards, separate finances, and separate missions. They are governed by a written dual-entity operating-principles document on file with both entities' records, and by a royalty-free IP license under which the LLC licenses planning software to the Foundation for non-commercial educational and research use only.

The Foundation does not promote LLC products, does not receive revenue from the LLC, and does not direct traffic to LLC commercial properties. Conflict-of-interest disclosures for all Foundation directors and officers are filed annually with the Board and will appear on the Board page once the independent Board is fully seated.

For interview requests or partnership inquiries, contact john@nestpilot.org or press@nestpilot.org.