The Unified Login Experience provides all  Gradifi users with a single, secure login for Gradifi and any connected Vestwell accounts. This guide explains how to log in, register, use multi-factor authentication (MFA), address account issues, and what’s changed.

Accessing the Unified Login Page

• Go to gradifi.vestwell.com to access your Gradifi account.
• Attempts to log in via https://www.gradifi.com/ or old bookmarks links will redirect you automatically to gradifi.vestwell.com.
• Logins from single sign-on (SSO) providers or email invitations will continue to operate the way they always have as no change has been made to this flow.
• Options for “Forgot Password?” are available on the login page.

Who Will See the new Account Selection Page?

Depending on your roles and accounts, the login experience differs:

• You will be taken directly to your Gradifi dashboard:
  • If you have only a single Gradifi account and no other Vestwell/Gradifi roles.
• You will see the account selection page:
  • If you have multiple roles (for example a Gradifi and any Vestwell product account).
• To switch roles or accounts after logging in, use the “Switch Account” feature.

Creating a New Account

• Click “Create Account” in the invitation email sent by your employer.
• Fill in the registration form and follow the on-screen instructions.
• If your email is already used by another Vestwell service (like 401k, 529), you may be prompted to enter your password to connect your accounts.
• The system will prevent duplicate accounts and clearly explain if an email is already in use.

Single Sign-On (SSO) Users

• First-time SSO users who “Create Account” follow the standard onboarding flow.
• Clicking “Log In” via SSO with multiple roles takes you to the account selection page.
• If you have only one Gradifi account, you are taken straight to your dashboard.

Resetting Your Password

• Click “Forgot Password?” on gradifi.vestwell.com.
• Enter your registered email address.
• You’ll receive a password reset email from Gradifi. Check spam or junk folders if you don’t see it.
• Follow the link to create a new password.

Password Criteria

Passwords must meet Vestwell’s security requirements:

• At least 10 characters long
• At least 1 number
• At least 1 uppercase letter
• At least 1 lowercase letter
• At least 1 special character
• No common/simple English words
• No repetitive characters or context-specific words (like your username or email)

Previous Gradifi password rules and security questions are no longer valid for resets.

Multi-Factor Authentication (MFA) Setup

Multi-factor authentication is required for all users. Security questions and email-based MFA are not supported.

• On your first login (or after migration), you’ll be prompted to set up both:
  • App-based authentication (like Google Authenticator)
  • Phone-based authentication (text or voice)
• If no phone number is on file, you must add one during this step.
• MFA is required for login, password reset, and important account changes.
• Follow on-screen setup instructions for code verification.

Migration and First Login After Migration

• All account data, including emails, passwords, MFA, and account associations, are securely transferred to the new system.
• On your first login after migration, you may be asked to set up MFA or reset your password if your original settings are incompatible.
• Your access to Gradifi and connected Vestwell accounts will remain.
• If you have problems accessing or linking accounts, support can help.

Logout and Session Timeout

• Logging out always returns you to the main login page (not the account selector).
• Sessions expire after 15 minutes of inactivity; you’ll be prompted to log in again.

Branding & Security

• The login page, password reset, and notification emails are Gradifi-branded for clarity and safety.
• Official Gradifi-branded emails about login, password resets, and MFA are safe.

What’s Changed? (For Returning Users)

• New Gradifi-branded login and password reset pages at gradifi.vestwell.com.
• Password resets require stricter, Vestwell-standard password criteria.
• MFA setup is also stricter, no longer supporting security questions.
• All dashboards unified under one login, access all your roles/accounts from one place.
• Streamlined access for users with multiple Gradifi/Vestwell roles.

Troubleshooting & Common Login Issues

• Invalid or expired invitation link: You’ll be sent to the new login page. Request a new invitation from your administrator if needed.
• Account locked after multiple bad login attempts: Contact Gradifi Support.
• Problems resetting your password or finding your account: Contact support for help.
• Email already used on another Vestwell product: Instructions will appear during registration with your next steps.

Help & Support

• For more information or assistance, visit the Help Center or email mailto:membersupport@gradifi.com with your employer name and work email.
• The support team can assist with locked accounts, merging multiple Gradifi roles, and step-by-step login help.