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RETIREMENT SECURITY

Seeking certainty in an uncertain world

Retirement is fraught with risk, both for plan providers and beneficiaries. Asset volatility makes prediction challenging, while ever lengthening lifespans have changed the balance for most workers. We seek solutions that make retirement more secure while managing the financial difficulties involved.

A changing landscape

As the world evolves, so must retirement

As retirement plans have changed from traditional defined benefit options to modern defined contribution plans, responsibility for adequate investment has shifted from employers to employees.

Employers still offering defined benefit plans continue to seek improvements in how they fund and administer them to maintain solvency and continue providing promised benefits. In the defined contribution world, organizations hope to empower purchase events so employees make good investing choices, save enough for retirement, and achieve the goals they seek.

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It's not a crisis if you see it coming

The challenges of global retirement
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A retirement plan that actually lets you retire

See how the Milliman Sustainable Income Plan is revolutionizing retirement.
Article

Reopening a frozen defined benefit plan: A strategic use of surplus and prefunding balance

Plan sponsors with a surplus and credit balance in a frozen defined benefit plan may have an opportunity to reduce ongoing defined contribution plan costs.

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Article

Nondiscrimination testing considerations for retirement plan lump-sum windows

For retirement plan sponsors considering offering a lump-sum window, we offer some thoughts on nondiscrimination testing to avoid the risk of disqualification.

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Article

Key considerations for retirement plan spousal rights and payment options

The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that sets minimum standards for most retirement plans to provide protection for the participants in those plans.

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Podcast

Critical Point Episode 38: Surprises and obstacles SECURE 2.0 could present for plan sponsors and HR professionals

We discuss potential surprises and obstacles plan sponsors and HR professionals may face as a results of SECURE 2.0 going into effect.

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Products

Milliman retirement security products

Pension plan modeling and analytics
Pension modeling & analytics

FutureCost

Project pension assets and liabilities into the future to answer complex questions and make data-driven decisions.

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Retirement asset allocation
Retirement asset allocation

InvestMap

Deploy an age-based asset allocation strategy for the core funds held within a defined contribution plan.

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Pension plan management
Pension plan management

Milliman Daily Pension Tracker

Monitor pension plan volatility by the day to make rapid decisions about derisking and take advantage of market shifts.

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Pension plan management
Online projection tool and information center

Milliman OPTIC

Projections at your fingertips for your multiemployer pension plan.

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Pension funding and FAS reporting tool
Pension funding & FAS reporting

Pension Performance Dashboard

See how movements in capital markets affect your pension plan's financial status, with real-time updates on projected funded status, and FAS expense.

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Benefits analysis
Benefits analysis

Retirement Income Security Evaluation (RISE Score)

The RISE Score™ provides an intuitive and easy-to-use way to determine potential gaps in retirement income and gauge retirement readiness.

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Pension funding and FAS reporting tool
Retirement plan design

Cash balance plan solutions

A comprehensive package, Milliman's custom cash balance plan solutions include design, actuarial services, plan document, government filings, and administration.

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