In-Plan Income Solutions
Innovative offerings that drive market advantage
iJoin’s In-Plan Income Marketplace offers personalized guaranteed income solutions to help millions of people be more successful in retirement.
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A Flexible Ecosystem
iJoin’s “Power to Personalize” approach to recordkeeper integration supports an array of methodologies and solution approaches leveraging iJoin’s core personalization engine.
Market Advantages for Advisors
As the in-plan income market matures, we believe greater emphasis on product suitability and a robust selection process will become requisite to advisor success.
iJoin’s Income Solution Marketplace leads the innovation curve by giving advisors unparalleled choice in delivering an array of flexible, cost-efficient, guaranteed income solutions.
iJoin’s partnerships with Broadridge/Fi360, IPX, and others drive automated processes to determine suitability and helps create sustainable market advantage for advisors who can more persuasively demonstrate a differentiated service model to help produce better retirement outcomes.
Meeting Investor Demand
Investors have always sought certainty in retirement income, but it’s only relatively recently that the retirement plan industry has had the regulatory clarity and approval needed to offer in-plan income solutions.
At iJoin, we believe derisking individual retirement plan portfolios at scale requires a highly personalized, data-driven UX that satisfies suitability requirements and the ability to seamlessly connect to automated provider platforms that offer investments or annuity contracts to serve income needs.
The goal of our innovation strategy:
Disrupt a slow‑moving status quo to accelerate meeting the retirement income goals of millions of investors.
The Innovation Mandate
As the in-plan income market matures, we believe greater emphasis on product suitability and a robust selection process will become requisite to advisor success.
iJoin’s Income Solution Marketplace leads the innovation curve by giving advisors unparalleled choice in delivering an array of flexible, cost-efficient, guaranteed income solutions.
Our innovative approach provides advisors, recordkeepers, and their clients with seamless, friction-free access to in‑plan income solutions via traditional accounts, advisor managed accounts, or target date funds.
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An Advisor-Centric Model
iJoin’s innovative Income Solutions Marketplace is helping create compliant, cost-effective, scalable service models for fiduciary and non‑fiduciary advisors. The impact of our rapid development of this model is enabling advisors to deliver a highly differentiated plan experience.
iJoin’s personalization engine and core UX make it possible for retirement plan advisors to understand and serve their retirement plan populations better. Dozens of critically important individual data points and factors including outside held assets provide essential insights to personalize investment paths and track success metrics. The platform provides advisors actionable data-driven intelligence to drive education and planning for the savings and decumulation continuum.
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A Range of Retirement Income Solutions
In-Plan :: Guaranteed
- Annuitization Products
- Bundled GLWB Products
- Group GLWB Products
- GLWB Products with Individual Contract
In-Plan :: Not Guaranteed
- Stable Value Funds
- Managed Payout Funds
Out-of-Plan :: Guaranteed
- Retail Annuity Market
- Plan negotiated Retail Market
- QLAC
Out-of-Plan :: Not Guaranteed
- Wealth Management Advisor
- Managed Payout
Popular Modes to Support Income Solutions
Advisor Managed Account
Personalized, goal-based advice that establishes investment risk and allocation strategy decisions on behalf of a plan participant.
Best for
Investors who want personalized, guidance and investment management
Advantages
Considers more personalized inputs and invites greater engagement; Allocations are updated as needs adjust over time
Limitations
Optimal plan performance may require re-enrollment as a new or hybrid QDIA to achieve adoption goals
Personalized TDF + Annuity
More participant data makes a personalized TDF glide path possible. Paired with an annuity, people can secure guaranteed lifetime income based on a more targeted risk profile.
Best for
Disengaged Investors who prefer or need a level of personalization
Advantages
Maintains the ease of implementation of traditional TDFs while delivering value through personalization
Limitations
This structure is standardized and does not invite more information about outside assets or investor goals
TDF + Annuity Feature
Address income security by allocating to an annuity based on the participant’s age.
Best for
Investors who want to take a “set-it-and-forget” approach and who may have less interest in personalization
Advantages
Existing TDF usage in DC plans makes implement straightforward
Limitations
A single factor (age) approach is inherently limited in its ability to deliver a solution aligned with unique retirement income needs
DIY Allocation
Individual participants allocate funds to an annuity alongside other investments in their plan lineup.
Best for
Savvy investors who prefer to select and monitor their own investments
Advantages
Latest tech integrations offer annuities within a recordkeeper UX’s with tools for DIY participants
Limitations
The individual participant makes all investment decisions. Many are not knowledgeable, experienced, or comfortable doing this
Help millions of people be more successful in retirement
Let’s talk.
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