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Retirement

We optimize retirement programs, delivering strong financial outcomes for employees and organizations while navigating a dynamic talent and economic environment.

Your retirement plans play a critical role in your total rewards program. Each organization has a unique balance to provide their employees with meaningful and competitive retirement benefits at the right cost, risk and delivery structure. At WTW, we listen to understand what the right balance is for you and work with you to get there.

Our leading market presence allows us to continually reinvest in our people, technology, research and innovation. This ongoing commitment to our retirement services enables us to fully support you and your employees with personalized solutions and the flexibility to quickly adapt as your needs change.

We partner with you to:

  • Manage retirement program costs and risk
  • Simplify operations
  • Optimize and protect your retirement investment
  • Design employee-valued retirement benefits
  • Attract, retain and engage your employees
  • Minimize exposure to legal and audit risk

Your dedicated retirement team brings the right experience and industry knowledge for your organization. Together, we can create an engaging retirement experience for your employees and effectively manage, optimize and protect the investment you are making in their financial future.

Our comprehensive retirement plan services

We provide a full range of retirement, pension and actuarial consulting services that cover all aspects of retirement plan management and financial wellbeing. This includes strategy and design, financial management, risk transfer, compliance and administration for:

  • Defined benefit pension plans (DB plans)
  • Defined contribution plans (DC plans), including 401(k) and 403(b) plans
  • Nonqualified plans (NQ plans), including DB and DC supplemental executive retirement plans (SERPs), restoration plans, 457(b) and 457(f) plans
  • Retiree welfare and other post-employment benefit (OPEB) plans
  • Financial wellbeing programs

Partner with our actuarial consultants who go beyond standard valuations and reporting. We provide forward-looking insights, identify relevant opportunities and mitigate future risk.

Our Cost and Risk Management Channel allows you to eliminate surprises by providing real time financial data around your global retirement plans.

Strategize and execute innovative de-risking solutions guided by our market-leading team. We offer various risk-transfer solutions including lump sums, annuity purchase buy-outs, buy-ins and plan terminations.

For retiree welfare plans, explore life insurance buy-outs or settle medical obligations with WTW’s Longitude, the first-of-its-kind retiree medical risk transfer solution.

Design retirement and retiree medical programs that position your employees for financial security and align with your total rewards philosophy, leveraging our employee insights, robust tools and data, and our innovative design offerings.

Deliver a high-tech, high-touch employee experience through our leading benefits administration outsourcing solutions. We make accessing benefits simple to understand and easy to use. Learn more

Fully outsource your 401(k) to deliver competitive retirement benefits while reducing plan management responsibilities and risk. Learn more

Develop and execute on the optimal DC program strategy, focusing on participant outcomes and engagement while meeting your financial, operational, and governance objectives. Learn more

Protect your organization and your benefits with our team of benefits attorneys and compliance specialists. Or transfer much of your fiduciary responsibility and liability with our co-fiduciary outsourcing solutions.

Understand the financial priorities of your diverse workforce and create a tailored financial wellbeing strategy for your employees with our interactive analytics and employee listening tools, like Engage. Learn more

Invest optimally with tailored portfolios that are cost-effective and deliver strong returns with controlled risk. We offer delegated investment services (OCIO), funds and strategies and advisory investment services. Learn more

Help your retirees find healthcare coverage that fits their specific needs and budget, while reducing the cost and administrative burden for you. Learn more

Leverage our end-to-end solutions to manage workforce onboarding and reductions, develop a phased retirement program or strategically optimize your workforce utilizing labor supply analysis.

Publication

U.S. Pension Finance Watch

Monthly reports on how capital market performance affects defined benefit pension plan financing

Related retirement services

Benefits Data Source

Attract and retain your best talent with a benefits strategy built on robust and up to date benefits data.

Defined Contribution

We partner with clients to build, prioritize, and execute a defined contribution strategy that focuses on impactful improvements to participant behavior, engagement, and wellbeing – seeking positive outcomes for both your participants and your organization while minimizing risk.

Global Retirement Management

Our Global Retirement Management (GRM) team helps multinational employers navigate the changing world of retirement.

LifeSight Pooled Employer Plan

Our LifeSight® Pooled Employer Plan (PEP) is a fully outsourced solution which provides a way for companies of all sizes to deliver competitive retirement benefits to U.S. employees with fewer plan management responsibilities and less risk than traditional 401(k) plans.

U.S. Geospatial Mortality Model

We leverage the predictive power of geographic data to refine longevity estimates, providing valuable insights to pension plan sponsors.

Employee Financial Resilience

We can help you build a financially resilient workforce to improve engagement and retention for better business outcomes.

Reward Smart

It’s here: More choice and flexibility. New ways to support employee financial wellbeing with more robust financial benefits.

Related solutions

Benefits Administration and Outsourcing Solutions
Investment Solutions
Total Rewards
Employee Experience
Individual Marketplace

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Advisory Investment Services help empower institutional investors to achieve their specific objectives. We seek to do this by delivering outstanding investment advice and solutions, based on a strong foundation of research, analysis, innovation and trust.

Individual Marketplace

Our Via Benefits individual marketplace helps employers and plan sponsors honor their healthcare commitments while reducing costs, risks and administrative burden.

Financial Digital Solutions

As more employees look to take better control over their finances, Willis Towers Watson provides the technology and solutions to help people make informed retirement and personal finance decisions.

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