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In recent years, we have seen a massive shift in the retirement landscape. With defined contribution (DC) plans as the predominant source of retirement income, millions of Americans face significant financial shortfalls. And they face them alone.

DC plans today are designed to get participants to retirement, but they are not designed to get participants through retirement. On top of millions of Americans’ facing significant financial shortfalls, this structure leaves them ill-equipped to navigate through the risks they will face in retirement.

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