What is Defined Benefit Investor?
The return of the defined benefit pension. Made personal.
Patent pending technology that transforms any vehicle accepting systematic deposits into a personal defined benefit pension.
A transformational solution for personal retirement security.
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Annuity
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Life Insurance
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Mutual Funds
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401(k) Participant Accounts
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TAMPs
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SMAs
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Individual Investment Portfolios
Why is Defined Benefit Investor Needed?
Because America suffers from a retirement income crisis. In today's polarized political environment, this is one issue that garners agreement from both sides of the aisle. All seem to agree that the answer must be innovation.
"America's retirement crisis is a ticking time bomb. With longer life expectancies and rising healthcare costs, many retirees are struggling to make ends meet."
Bernie Sanders
"The retirement security crisis is a wake-up call for individuals to take charge of their financial planning and for policymakers to create an environment conducive to savings and investment."
Ben Carson
"In a world where traditional pension plans are disappearing, and many Americans lack access to retirement savings plans at work, we need to find innovative solutions to address the retirement security crisis.".
Elizabeth Warren
"Conservatives believe in individual liberty and self-reliance. We should encourage policies that empower individuals to save, invest, and plan for their retirement without excessive government intervention."
Rand Paul
What Are The Overriding Objectives
Simplicity I Transparency I Investor Empowerment
Bring an income context to investment vehicles that otherwise have none.
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Build wealth and realize predefined levels of lifetime guaranteed income.
Focus younger generations on "income" as the outcome.
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Create millions of personally owned defined benefit plans.
How Will Millions of Americans Come to Rely Upon Defined Benefit Investor?
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By forming partnerships with recordkeepers, clearing platforms, asset managers, banks, RIAs, and broker-dealers.
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By “wrapping” 401(k) participant accounts and other investment vehicles.
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This strategy aligns with the financial interests of all parties.
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Firms that manage assets are not asked to change what they do.
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This strategy creates the incentive for individuals to consistently invest, and at ever higher amounts.
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This creates substantial, long-term benefits for both product providers and retail investors.
How Do Investors Benefit?
"Listen."
We focus investors on the all-important issue of income. This is critical because it is your income- not your wealth- that creates your standard-of-living in retirement.
Defined Benefit Investor changes the investment vehicle ownership experience, transforming 401(k), or mutual funds, or life insurance into the investor's long-term solution for personal retirement security.
Through annual evaluation of investment performance tested against the investor's baseline growth assumption, Defined Benefit Investor empowers the individual with the information needed to remain on track for their targeted retirement income. Investors are empowered to make good decisions consistent with their personal budgets and goals.
Through consistent education on issues such as the impact of inflation, investors learn how their income targets must be adjusted over time to maintain purchasing power. Education incentivizes consistent increases in long-term wealth building.
At retirement, investors will have accumulated sufficient capital to provide the lifetime guaranteed retirement income that had been their goals over their working years.
The addition of Defined Benefit Investor to the individual's 401(k) account, investment portfolio, annuity or life insurance policy transforms the vehicle's ownership experience, making it more valuable and personally vital to the attainment of financial security in retirement.
How Do Product Providers Benefit?
"Listen."
BY transforming the product ownership experience into one where the perception of the product is radically altered... it becomes viewed as the investor's all-important and durable answer for personal financial security... the investor's perception of the product's value is greatly enhanced. With Defined Benefit Investor, the investor, policy owner or participant is able to interact with the product in an entirely new way.
By logging into their personal Defined Benefit Investor accounts, investors are able to review Annual Reports, test the impact of inflation against current income targets, contact their advisors, and review current baseline growth assumptions.
Defined Benefit Investor brings the "product" and the investor into a closer and more meaningful financial relationship than ever before.
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Consistent increases in amounts invested
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Improved persistency
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Enhanced customer loyaty
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Increased profitability