Retirement Help for Life
As a plan sponsor your goal is to help your participants retire with confidence. Our goal is to make that possible—for both you and your participants. Whether they're just starting to save or almost ready to retire, Financial Engines can provide your participants with expert advice and management.
Here’s how we deliver Retirement Help for Life®
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That's why we provide your participants with a personalized Retirement Evaluation* based upon their current investing and savings decisions as well as their current age and salary. This report gives your participants a realistic view of their financial future and lets them know where they stand with regard to savings, risk, diversification, and company stock (if applicable). We also provide a retirement income forecast so participants can clearly see whether they're on track to retire with the income they'll need. Terms and conditions for the services provide additional information.
*May exclude non-eligible participants, including "insiders" under applicable regulations and non-U.S. participants. Evaluations are proposals for investment advisory services subject to participant agreement and do not provide investment advice.
Personalized Retirement Plan
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That's exactly what our Retirement Plan is designed to help your participants do. Each plan includes investment, savings, and retirement income strategies to help your participants meet their retirement goals. Through our expert analysis and recommendations, participants can figure out how much to save, when to retire, how much risk to assume, and what the impact of those decisions may be on their retirement income.
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Some like to leave it to the professionals, while others prefer a more hands-on approach to investing. That's why Financial Engines offers two ways for your participants to get help. With Professional Management, we create, implement, and monitor a personalized Retirement Plan for each participant. In addition, Investment Advisor Representatives are available to assist with everything from enrollment and personalization of the Retirement Plan to implementing changes and answering questions. For do-it-yourself investors, our Online Advice service provides access to expert recommendations and interactive tools so participants can create and implement a Retirement Plan*.
*Terms and conditions for the services provide additional information.
Retirement income solutions
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That’s why we created Financial Engines® Income+, an extension of Professional Management. Income+ is designed to provide participants with steady monthly payouts from their 401(k) accounts that can last for life.* Income+ also provides access to advisor representatives to help with questions that arise along the way—all while being safe and easy for employers to implement within the 401(k) plan.**
* With Financial Engines’ Income+, payouts begin in retirement at your request. Income+ is designed to manage your investments to create payouts that can last into your early 90s. If you think you’ll want payouts longer than that and want a lifetime guarantee, consider an optional annuity purchase. Financial Engines does not guarantee payout amounts or payouts for life.
** Financial Engines Advisors L.L.C. is an independent investment advisor that does not receive commissions; we provide advisory services on an advised and sub-advised basis.
Our investment methodology
We provide independent, institutional-quality advice and management, once only available to large pension plans. That's just the way Bill Sharpe envisioned it. Learn more ›
Read the research
"Help in Defined Contribution Plans: 2006 Through 2012" Learn more ›
How healthy is your plan?
How are you providing help today? What groups in your plan need more help? What are your top priorities? Financial Engines can help you assess the health of your current plan. Contact us to learn more ›