Managed Advice & In-Plan Income Solutions

Personalized guidance and income strategies that support better participant outcomes and long‑term retirement security.

Managed Advice

Drive better participant and plan outcomes with scalable, personalized investment solutions built around each saver’s goals.

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In-Plan Income

Protect retirement income by helping participants build guaranteed income streams that last through retirement.

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We’re changing how the world looks at Managed Advice Programs

iJoin is making personalized advice at scale a reality with your choice of advisor managed accounts, personalized target date solutions, or traditional programs. And we’ve made it easy to include guaranteed income products to help savers create certainty in retirement.

In retirement income, planning matters.

iJoin’s managed advice technology is powered by its unique calculation engine that seeks to determine a user’s retirement income needs, and to align investments to meet those needs. It considers income, savings, outside assets, gender, location, age, and many other factors in determining the retirement income needed, whether the saver is on track, and positive actions to consider to potentially improve outcomes.

iJoin Managed Advice partners leverage this data along with their own proprietary risk and allocation technologies to recommend individualized glide paths in an automated and personalized way.

We believe that single-factor TDFs fundamentally fall short.

Many QDIAs rely on traditional target date funds that, while diversified, attempt to balance risk and return based on the single data point of a person’s age. While TDFs like this can be productive, they really aren’t designed to optimize an individual saver’s unique path to retirement.

We believe QDIA offerings that don’t even attempt to estimate and fund a saver’s actual, personal retirement need fundamentally fall short.

Flexibility and Choice

iJoin’s MAP and Income Marketplace offers unprecedented access to AMA and personalized target date programs with the opportunity to automatically derisk with Guaranteed Income solutions.

Through a single point of integration, plan recordkeepers and advisors can select from leading solutions to serve the demographics of individual plans.

Help savers close the gap other QDIAs leave behind.

iJoin MAP helps savers easily understand how much retirement income they’ll need and how well they are doing towards their funding goal. Participants who are falling short of their goal completion get simple and friendly suggestions on actions they can take to get on track.

We’re committed to helping you improve the odds of success for every participant in every plan.