Retirement Income Solution

Retirement Income Solution

Give Employees Close to Retirement Peace of Mind

90% of US employees are concerned that their money won’t last through retirement*. It’s a huge worry, and one that isn’t easily addressed through traditional financial wellness programs.

Our innovative Retirement Income Solution provides personalized and actionable advice to help employees that are about to retire — or already in retirement — make their money last. Elevate employee security and satisfaction with a tailored decumulation strategy created by our intelligent platform and rigorous methodology.

*Source: Employee Benefit Research Institute (EBRI) 2017 Retirement Confidence Survey
Key Features
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Comprehensive scenario planning that enables participants to make informed decisions that can help make their money last

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Tax-efficient drawdown advice

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Investment level advice on plan account

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Investment advice on all outside pre-tax retirement accounts

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Social security optimization

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Spending projections with recommendations

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Annuity evaluator

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Customizable to both plan core investment line up and can accommodate plan retirement income vehicle

A Unique Financial Strategy and Plan for Each Employee

Using our rigorous risk/reward model, our digital intelligence runs thousands of market simulations to create an income and investment strategy tailored to the employee’s individual in-retirement goals. With this product, your employees will know:

The ideal time for the employee and their spouse to retire based on their joint retirement assets

How much they can safely spend each year after retirement

The most tax-efficient way to draw down money from their retirement accounts

When to take Social Security

Investment advice that supports their annual income strategy — on plan and all outside pre-tax retirement accounts

Whether purchasing an annuity makes sense for their situation

How to manage plan account in retirement (if enabled)

The goal is always to help the employee confidently plan ahead, so they never worry about running out of money after they retire, or feel uncertain about financial decisions they need to make. Learn more about our process here.

Contact Us to Learn More

Is an Annuity Right for Them?

Our Retirement Income Solution includes an annuity evaluator that models a fixed annuity to show participants the impact it will have on their spending power. This helps participants fully understand the financial implications and confidently make a key retirement decision.

Get the Guidance You Need to Stay on Track

By leveraging our decades of expertise in personalized retirement advice, our solution goes far beyond other tools and services to provide the highest possibility of long term success — for employees and employers alike. Key advantages include:

A Rigorous Methodology

A Rigorous Methodology

based on the Modern Portfolio Theory that drives our proprietary market intelligence

Annual Adjustments

Annual Adjustments

based on the latest tax laws, withdrawal rules and the employee’s own life changes to ensure a consistent level of income, and avoid shortfalls that could leave them without sufficient funds in a given year

A Holistic Goals-Based Approach

A Holistic Goals-Based Approach

for employees and their spouses that supports their individual spending plan with specific investment and withdrawal advice

Immediate Recommendations

Immediate Recommendations

to get employees on the right path when we see gaps in their plan

See our Methodology

What’s Wrong With the 4% Rule

Many people believe they can make their retirement savings last by only withdrawing 4% of the value each year. However, out process proves to yield much higher success rates.

Source: Asset Valuations and Safe Portfolio Withdrawal Rates by David Blanchett, Michael Finke, and Wade D. Pfau.

*Given the current market environment with bond yields at approximately 2.0% and the CAPE ratio of 22, a 4% initial withdrawl rate has less than a 50% probability of success over a 30-year period with a 40% equity portfolio. This success rate is much lower than past studies which have typically noted a probability of success above 80%, generally closer to 90%.

A Partner That Works in Your Best Interest

We are proud to be fully independent, and unaffiliated with a parent company, investment manager or venture capital firm. Our advice is fully objective and tailored to each individual we serve. We also never accept payment for making a recommendation. Learn about our core principles from our founder and CEO Sherrie Grabot.

Put Retirement Income Advice to Work for You
Find the Right Solution

Find the Right Solution

Retire Ready Simulator with Quick Enroll

Retire Ready Simulator with Quick Enroll

  • Get participants into plans quickly
  • Provide newfound clarity about personal retirement readiness
  • Improve enrollment, savings rates, and financial wellness

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Find the Right Solution

Find the Right Solution

Asset Class Guidance & Retirement Planning with Managed Account

Asset Class Guidance & Retirement Planning with Managed Account

  • Provides free asset class guidance & retirement planning support, including outside accounts and savings advice
  • Opt-in to managed account for investment-level advice and ongoing account management on plan account
  • Can also provide advice on non-plan pre-tax retirement accounts

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Find the Right Solution

Find the Right Solution

Financial Wellness & Retirement Planning Advice for Public Sector Participants

Financial Wellness & Retirement Planning Advice for Public Sector Participants

  • Offers public sector employees free asset class guidance & retirement planning support
  • Option for one-time fund level investment advice on both plan and outside accounts
  • Designed to improve savings rate, retirement readiness and engagement

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Find the Right Solution

Find the Right Solution

Personalized Target Date+

Personalized Target Date+

  • A personalized QDIA that’s as easy as a target date fund
  • With a customizable lineup, this creates a personalized portfolio and glide path for each participant
  • 100% default, zero employee engagement required

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Find the Right Solution

Find the Right Solution

Retirement Income Solution

Retirement Income Solution

  • Personalized and actionable advice for participants who have retired or are about to retire
  • A tailored decumulation strategy to help employees make their money last
  • Advanced scenario planning to help retirees make better and more confident financial decisions

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Find the Right Solution

Find the Right Solution

Fiduciary Services

Fiduciary Services

  • Can act as a 3(38) and 3(21) fiduciary
  • We ensure all ERISA standards are met and shoulder fiduciary responsibility
  • Industry-leading oversight and due diligence

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Find the Right Solution

Find the Right Solution

Retirement Readiness Analytics

Retirement Readiness Analytics

  • Essential preparation and motivation for employees
  • Personalized assessments and recommendations
  • Gives employers a unique picture of their plan and participants

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