Trading Job Security for Startup Risk

João Cabral left a steady paycheque to build Nexum Pensions around a simple idea: let pension contributions follow the person, not the employer. He talks through the jump from security to startup risk, why multiple small pots persist, and how Nexum fits into HR and payroll with minimal effort. We cover the early pilots that became a working product, the first moves with providers and employers, and the habits that keep a small team focused.