Why the transition to retirement needs a different approach

As an employer, you invest significantly in helping employees financially prepare for retirement. Yet when they transition to retirees, they often face financial advice where incentives are not properly aligned with high fees and expenses, reducing the effect of their – and your – efforts.

WTW has over a century of experience in the institutional retirement and asset management areas, supporting organizations like yours with your benefit plans and financial wellbeing programs. Based on that experience, WTW has created Via Retirement to extend our knowledge and experience directly to your employees and former employees.

Discover how Via Retirement can help employees turn the savings they've built into a retirement strategy designed for what comes next.

Footnotes

1. Via Retirement by WTW is the brand name of the combined investment advisory and fixed-insurance brokerage products and services that are offered by Willis Towers Watson Securities, LLC ("WTWS") and Towers Watson Retiree Insurance Services, Inc ("TWRIS"). Investment advisory services, including the Via Retirement digital platform (the Platform") and investment advice provided on the Platform, are offered and provided by Willis Towers Watson Securities, LLC ("WTWS"), an investment adviser registered with the U.S. Securities and Exchange Commission ("SEC"). Registration does not imply a certain level of skill or training and does not constitute SEC approval, endorsement, or recommendation. WTWS provides investment advisory services to Clients through the Platform, combining a web-based financial planning and asset allocation tool with individualized guidance provided to Clients by investment adviser representatives ("IARs"). The Platform is intended to help Clients manage the complexity of retirement decision-making including whether to roll over their retirement plan into individual retirement account(s) ("IRA(s)"), establish an asset allocation appropriate to their risk and return objectives, and implement that allocation efficiently. WTWS and Towers Watson Retiree Insurance Services, Inc., an insurance brokerage firm ("TWRIS"), are commonly-owned affiliates, and when a Client's recommended asset allocation includes a general allocation to fixed annuities, WTWS refers the Client to a TWRIS insurance agent to evaluate whether to purchase a fixed annuity, consistent with the Client's best interest, a service for which TWRIS earns a commission on the resulting sale. Fixed annuity transactions are not purchased through or part of WTWS' advisory fees or services. Via Retirement by WTW is subject to eligibility requirements and is not available to all members of the general public. Purchase of products is not required to receive investment advice. Investments and annuities involve risks and may not be suitable for everyone. Investments will fluctuate and may lose value. Return to article undo
2. Retirement outcomes are not guaranteed and will vary based on individual circumstances, financial decisions, investment performance, market conditions, and other factors. Return to article undo
3. Retirement projections, modeling results, income estimates and other financial illustrations are hypothetical in nature, are based on assumptions and information provided by the user, and do not guarantee future results. Actual outcomes may differ materially. The platform's initial modeling results are provided for illustrative purposes only based on assumptions and information provided by you and may not reflect all relevant financial circumstances. Actual results will vary; results are not guaranteed, and investing involves risk, including the possible loss of principal. Information provided through the Platform is intended to support retirement-financial decisions. Neither the platform nor Service Center representatives provide legal, tax, or accounting advice, and Service Center representatives do not provide investment advice or recommendations. Ongoing monitoring, discretionary investment management, and other advisory services are available only after you become a Client and enter into the applicable advisory agreement with WTWS. Return to article undo
4. Where the Client's source of investment funds is a qualified employer contribution plan or qualified employer benefit plan, WTWS will act as a fiduciary (as, and to the extent, defined under ERISA and Section 4975 of the IRC) and will adhere to Prohibited Transaction Exemption 2020-02 (or another applicable prohibited transaction exemption) to the extent required when making a recommendation to rollover from the Client's retirement plan. Our rollover recommendations are based on the Client's responses in the Platform's interactive-web based rollover analysis system and, where applicable, the Client's discussion with an IAR. For more information about rollover recommendations, see WTWS' Investment Adviser Brochure. Return to article undo
5. Products available through Via Retirement are issued by unaffiliated, third party providers. Additional information regarding fees, commissions, compensation arrangements, conflicts of interest and product-specific disclosures will be provided before any purchase decision is made. For additional information see Return to article undo