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Annuity Due Diligence with
ERISA Expert Standards

New Participant Education e-Guide www.RetirementSoon.org

Because Prudent Annuity
Due Diligence

is More Qualitative than Quantitative

Common fiduciary concerns
about annuities include:

       

Opaque  Costs

Differing  Guarantees

Misunderstood  Liquidity
Impossible  Comprehension 
Biased  Guidance

We get it.
 

Every annuity is a nearly unique mixture of
capita
l markets exposures.



Key questions to ask about each contract:

1) Which risks do insurers take
2) Which risks do consumers keep?


We combine 60 years of experience
to help dissect
 this.

Conference Room from annuity research & consulting

A legal opinion by
The Wagner Law Group concludes
ARC meets ERISA standards
for retirement income options.
 


Our process holds there are no perfect
retirement income strategies to find...

only tradeoffs. 
 

 

Understanding them is especially challenging
for the universe of annuities.

 

 

ARC is built to solve this. 



Returns

Costs

 Reliability of Performance





We evaluate10 different risk factors

each requiring qualitative

knowledge and expertise.

 

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Integrating Annuities Into Modern Portfolio Theory

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ARC Offers Multiple Value
Propositions For Plans & Their Advisors

We help develop a retirement plan benefit so employers can proudly say...

"We care about what
happens to you after retirement too!"

Where To Begin?

Triage Needs


WE SUGGEST TRIAGING THE MOST URGENT NEED:

EMPLOYEES RETIRING THIS YEAR AND NEXT

We're working with plan advisors to provide guidance on a topic many people say is a top priority: 


AGING IN PLACE
 

Our content about this is called

Unbiased Participant Education


WE PROVIDE EDUCATION ON HOW TO SAFELY FIND LIFETIME INCOME I

Unbiased guidance is needed for near retirement participants about Immediate Annuities, such as understanding where they fit and how to evaluate SPIA platforms either inside or outside the plan.

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A Boutique-Size Firm with
A Custom Service Menu
We're specialists.
 Our process is engineered to meet and exceed the DOL Safe Harbor Section 404(e).
We can help in more than one way:
Hourly Consulting (Non-Fiduciary)
Educational Content
3(38) Fiduciary
Product Research 
3(21) Fiduciary
Monitoring

Tailored Solutions

We customize every client engagement to you, your plan, and your participants. 

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We lead trustee conversations about "The Why" using academic thought leadership.
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We facilitate discussions
to define risks and find the
solutions that are the best fit.
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We compare tradeoffs and costs using our proprietary qualitative & quantitative research.
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We educate participants with  simple translations of ideas like asset/liability matching and de-risking.
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We monitor performance and provide updates about industry best practices.
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We document a board's prudent decision making with​ individualized written letters and reports.
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