Retirement Income Options in DC Plans—Are They Really Needed?

This foundational session will help plan sponsors and their advisers assess whether retirement income solutions are appropriate for their plans at all. Speakers will separate the need from the hype; discuss the consequences of offering and not offering; reveal trends in participant behavior, utilization and demand; and consider defaults, framing, simplicity and communication challenges. Plan sponsors and advisers will gain clarity on the problem income solutions are meant to solve and confidence that “not yet” can be the right answer.

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Navigating the Retirement Income Landscape

Speakers will give an overview of retirement income structures—in‑plan vs. out‑of‑plan, guaranteed vs. nonguaranteed—and discuss the primary trade-offs. Hear what is required and what is optional under ERISA’s fiduciary duties and how to document a prudent decisionmaking process. Plan sponsors and advisers will learn how to develop a framework for evaluating income options—understanding the risks and the benefits.

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From Consideration to Action—or Inaction

Hear from plan sponsor peers and plan advisers that either responsibly implemented retirement income solutions into their plan or decided to wait. Learn what they considered in their decisions—operational and administrative realities, costs, governance and ongoing monitoring requirements, participant demand, demographics and more. Livestream attendees will come away with a practical checklist and decision framework that can help them either implement or confidently document why they did not implement retirement income solutions.

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This foundational session will help plan sponsors and their advisers assess whether retirement income solutions are appropriate for their plans at all. Speakers will separate the need from the hype; discuss the consequences of offering and not offering; reveal trends in participant behavior, utilization and demand; and consider defaults, framing, simplicity and communication challenges. Plan sponsors and advisers will gain clarity on the problem income solutions are meant to solve and confidence that “not yet” can be the right answer.

Moderator
Sean Kelly, Senior Vice President, Financial Adviser, Heffernan Financial

Panelists
John Bartlett, Director of Retirement Services, CFS Investment Advisory Services, LLC
Danielle Kelso, Senior Institutional Solutions Consultant, Allianz Life Insurance Company of North America
Craig Maalouf, Managing Director, Institutional Defined Contribution, Nuveen

Sponsored by

Speakers will give an overview of retirement income structures—in‑plan vs. out‑of‑plan, guaranteed vs. nonguaranteed—and discuss the primary trade-offs. Hear what is required and what is optional under ERISA’s fiduciary duties and how to document a prudent decisionmaking process. Plan sponsors and advisers will learn how to develop a framework for evaluating income options—understanding the risks and the benefits.

Moderator
Amy Resnick, Executive Editor, PLANSPONSOR

Panelists
Kevin Crain, Executive Director, Institutional Retirement Income Council
Elizabeth Heffernan, Head of Partnerships and Consulting Strategy, Micruity
Drew Maresca, Vice President of Research, DCIIA
Tim Rouse, Executive Director, The SPARK Institute

Hear from plan sponsor peers and plan advisers that either responsibly implemented retirement income solutions into their plan or decided to wait. Learn what they considered in their decisions—operational and administrative realities, costs, governance and ongoing monitoring requirements, participant demand, demographics and more. Livestream attendees will come away with a practical checklist and decision framework that can help them either implement or confidently document why they did not implement retirement income solutions.

Moderator
Rebecca Moore, Managing Editor of Custom Content, PLANSPONSOR

Panelists
Tim Byrd, VP Retirement Benefits and Education, NC SECU
Kathleen Kelly, Managing Partner, Compass Financial Partners, a division of MMA Securities LLC