Pension Risk Transfer

Simply Smarter Annuitization Strategies for Your Pension Plan

We are dedicated to making the annuity purchase process simple and transparent for pension plan sponsors and their advisors. Our simply smarter approach means our clients get optimal pricing, straightforward results, and peace of mind.

The R&M Advantage

Fiduciary Status

We provide robust and proprietary 95-1 analysis. We sign on as a co-fiduciary along side the plan’s fiduciaries in recommending the safest available annuity provider. We are also able to act as independent fiduciary.

Consultative Approach

Our integrated team of actuarial and investment professionals focuses on managing our clients’ pension risks. We offer a high-touch consultative service to plan sponsors to ensure the optimal result and a smooth experience for advisors, plan sponsors, and participants.

Competitive Bid Process

We employ a consistent and transparent bid process that is well regarded by annuity providers. This maximizes the number of bidders, increasing competition and ensuring our clients get the best price possible.

Transparency

We work on a fee-for-service basis and never on commissions that are baked into the annuity purchase cost. We also do not receive any outside compensation from annuity providers.

The Approach

First and foremost, we believe that advising on annuity purchases is a fiduciary function which is why we sign on as a co-fiduciary in our client engagements. Our approach combines the thinking and experience from our actuarial and investment professionals. This combination enables us to bring a thorough understanding of the insurer market place and all aspects of pension plan management. Our approach and skills leads to optimal pricing that routinely produces pricing below the mark-to-market liability for in-pay benefits and pricing below a 10% premium for deferred benefits.

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Services

Our services include the following for plan terminations and pension de-risking initiatives:

Full Annuity Placement

(bid process, due diligence)

DOL 95-1

Independent Expert

Strategic Advisor

and Analysis

Independent

Fiduciary

Our latest thoughts on Annuity Purchases

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