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Buket spilling coins with a small board showing retirement wrtten on it to depict income solutions with retirement plans

How Employers Can Offer Guaranteed Income Solutions in Retirement Plans

Employers have long recognized the importance of providing robust retirement benefits to attract and retain talent. Pension plans, with their defined benefits for employees, stand out as a reliable solution. However, managing these plans carries significant financial obligations, often fraught with market risks.  For HR professionals and benefits managers, the concept of guaranteed income solutions—bolstered...
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Pension Risk Transfer (PRT) Transactions

Common Pitfalls in Pension Risk Transfer and How to Avoid Them

Pension risk transfer (PRT) transactions are becoming more popular as a way to offload pension liabilities and focus on core business. However, with their complexity, PRT strategies can pose significant risks if mishandled.  When looking to execute a PRT transaction, it’s essential to understand potential pitfalls and implement strategies to avoid them. Here’s a concise...
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Defined Contribution Income for Retirement Planning

Understanding Defined Contribution Income: A Guide to Retirement Planning

Planning for retirement is one of the most important financial decisions you will make. One of the most common retirement savings structures is the Defined Contribution (DC) plan, which plays a crucial role in ensuring financial security during your post-working years.  Unlike traditional pension plans, where benefits are predetermined, DC plans place the responsibility of...
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Terminating Your Pension Plan

Terminating Your Pension Plan? Here’s What You Need to Know

For businesses managing employee pension plans, the decision to terminate a pension plan is complex and requires careful navigation. Whether you’re restructuring your business or facing financial challenges, the process involves legal, financial, and administrative considerations. This guide will outline what you need to know about pension plan termination, helping you stay compliant and protect...
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Pension Risk Transfer for Business Leaders

Navigating the Complex World of Pension Risk Transfer for Business Leaders

In the fast-paced world of business, securing a stable financial future for employees is paramount. Pension risk transfer (PRT) has emerged as a pivotal strategy for companies aiming to ensure their retirement obligations without bearing the associated risks. For business owners and HR executives, understanding PRT can be a game-changer in managing pension liabilities effectively....
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Navigating Pension Risk Transfers

Navigating Pension Risk Transfers (PRTs)

A 2024 Pension Risk Transfer Industry Whitepaper by DIETRICH Seizing Opportunities in a Dynamic Market This whitepaper explores the evolving landscape of pension risk transfers (PRTs), covering not only the short-term trends from 2022-2024, but also the longer-term perspective of where the industry is going and the impact on plan sponsors, advisors and participants. Multiple...
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Are Pensions Poised to Make a Comeback?

“Total rewards is a pendulum. New benefits emerge, while older and little-used ones are phased out. Annual salary hikes come and go, depending on the economy. The same often goes for bonuses and other perks. Now, the latest point of conversation among total rewards experts is about one of the oldest benefits offerings: pensions….”
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Fidelity: About 1 in 5 Plan Sponsors Seeking New Retirement Adviser

One in five plan sponsors (22%) reported they were actively looking to switch advisers, with motivations including more service offerings and better participant communication and education, according to the 14th Fidelity Plan Sponsor Attitudes Study.
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Pension Risk Transfer Deals Hit Record Level in the First Half of 2023

In the first half of 2023 plan sponsors completed a record 289 pension-risk transfer transactions totaling $22.4 billion in premiums, according to a report from Aon, the largest PRT adviser.
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The PRT Decision: What Plan Sponsors Need To Know

Despite the turbulence of 2022 and the losses for both stocks and bonds, many corporate defined benefit (DB) plans are finding themselves in a better funded status position than at the end of 2021. As such, the pension “end game” is coming into clearer focus, and sponsors are considering pension risk transfers (PRTs).
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