Client: Top 10 Retirement Recordkeeper

Solution: retireSAVVI

Retirement planning has traditionally focused on helping participants build wealth. But as more employees approach retirement, the conversation is shifting from "How much have I saved?" to "How do I turn my savings into a reliable paycheck?"

For retirement recordkeepers, answering that question represents a significant opportunity. Personalized retirement income guidance not only helps participants make better financial decisions, but also strengthens engagement, increases platform value, and supports long-term asset retention.

The Challenge: Extending Value Beyond Accumulation

While participants had successfully accumulated retirement savings, many lacked confidence about their next financial milestone, creating sustainable retirement income. The recordkeeper wanted to:

• Deliver personalized retirement income guidance at scale.
• Engage participants earlier as they transition into retirement.
• Differentiate its retirement platform with innovative planning capabilities.
• Strengthen participant relationships while improving in-plan asset retention.

Traditional retirement calculators offered generalized projections, while advisor-led planning couldn't scale to every participant. The organization needed a smarter, digital-first approach that could deliver personalized recommendations without creating additional work or requiring lengthy questionnaires.

The Solution: Personalized Retirement Decision Intelligence

The organization implemented retireSAVVI, SAVVI Financial's personalized retirement income guidance platform.

Rather than relying on assumptions or generic retirement calculators, retireSAVVI evaluates each participant's complete financial picture, including retirement accounts, pensions, Social Security timing, outside assets, liabilities, and tax considerations, to recommend personalized retirement income strategies.

Participants receive actionable guidance through a frictionless digital experience without lengthy surveys or advisor meetings. Behind the scenes, SAVVI's optimization engine evaluates thousands of financial tradeoffs to identify strategies that can help maximize retirement income while improving tax efficiency. The platform helps participants optimize decisions such as:

• Social Security claiming strategies
• Tax-efficient withdrawal sequencing
• Retirement income sustainability
• Total household wealth planning

Following a successful pilot, the recordkeeper accelerated to a full enterprise rollout in just three months.

Measurable Results at Scale

Participants didn't simply view recommendations, they acted on them. The implementation delivered measurable engagement across nearly one million participants:

• 930,000+ participants guided
• 12% increased retirement contributions
• 50% planned financial changes after receiving guidance
• 70% would use retireSAVVI again

These outcomes demonstrate the power of personalized decision intelligence. When guidance reflects an individual's complete financial situation, participants are more likely to engage with their retirement plan and take meaningful action.

Why This Matters for Retirement Providers

The retirement industry is evolving and participants increasingly expect personalized digital experiences similar to those they receive from banks, investment platforms, and consumer technology companies. At the same time, recordkeepers face growing pressure to differentiate their platforms while improving participant outcomes and retaining assets.

Personalized retirement income guidance helps address all of these priorities.Instead of ending the participant journey when retirement begins, recordkeepers can continue delivering value throughout one of life's most important financial transitions.

Key Takeaways

This implementation demonstrates that retirement guidance doesn't have to be complicated to be impactful. Organizations that provide personalized retirement income guidance can:

• Improve participant engagement.
• Encourage meaningful retirement planning actions.
• Differentiate their retirement platform.
• Strengthen participant loyalty and support in-plan asset retention.
• Deliver personalized guidance efficiently at enterprise scale.

Looking Ahead

The future of retirement isn't just about helping participants save more, it's about helping them make smarter decisions with what they've already saved. By embedding personalized retirement income guidance directly into the participant experience, retireSAVVI enables recordkeepers to move beyond accumulation and deliver ongoing decision intelligence that benefits both participants and providers.

RetireSAVVI helps retirement providers deliver personalized retirement income guidance at scale, helping participants make informed decisions while supporting engagement, differentiation, and asset retention. Schedule a demo to learn how retireSAVVI can complement your retirement platform with personalized retirement decision intelligence.