Next-generation retirement income solutions
Help Americans workers achieve retirement income security with guaranteed lifetime income solutions, offering personalized strategies, holistic financial views, and growth potential—all through a simplified, actively managed approach designed to support long-term financial well-being.
Helping Americans achieve secure income in retirement
One way to help create retirement income security may be to combine guaranteed lifetime income with growth potential, tailored to individual needs. This advanced solution integrates a target date fund’s simplicity with active management and tactical strategies, potentially enhancing stability and growth throughout retirement.
These strategies make retirement income accessible, helping advisors guide their plan sponsor client employees toward lifetime income security. Advisors gain a unique advantage by equipping employers with a comprehensive income framework that can help build confidence in saving for retirement.
Guaranteed lifetime income
Help employers provide participants confidence on their retirement journey with solutions that offer lifetime income, blending growth and stability.
Tailored, client-focused strategies
Personalized income solutions align with each participant’s lifestyle and needs, which can lead to enhanced satisfaction.
Holistic financial view for informed planning
Consider all household assets to create a complete retirement picture and support better planning for participants and families.
What U.S. workers want
According to Franklin Templeton’s annual Voice of The American Workplace Survey, employees with workplace retirement plans are increasingly seeking guaranteed lifetime income solutions to support their financial independence in retirement.1
49%
say a guaranteed income solution within their company‑sponsored retirement plan would be useful.
92%
express interest in a guaranteed lifetime income stream through their employer.
62%
say having a guaranteed stream of income in retirement would be useful.
Enhanced portfolios with income & tactical target dates
Partnering with Empower, we offer exclusive solutions designed to enhance your sponsor clients’ retirement portfolios, featuring a unique income option, target date funds with tactical allocation to help optimize risk management, and competitively priced active management—tailored for clients who prioritize value and stability.
Exclusive income solution
Differentiate your offerings with a unique solution available on the Empower platform, which may be advantageous to your sponsor clients’ portfolio.
Target date fund with tactical allocation
Combines target date simplicity with tactical allocation to manage risk and shift focus from growth to stability as retirement approaches.
Cost-effective active management
Offers potential benefits of active management, appealing to value-focused sponsor clients who prioritize long-term strategic objectives.
Insights
It is important for savers to understand guaranteed and non-guaranteed options when looking at retirement solutions offered within a 401(k) plan. Our expert shares the highlights and talks about the need for personalized strategies.
Help clients tackle the fear of outliving their savings. This program provides essential strategies for creating and sustaining retirement income, guiding meaningful discussions with clients.
Retirement planning goes beyond saving—it's about managing housing and healthcare costs. Advisors who address these needs can build stronger client relationships and attract new business.
Your Franklin Templeton Retirement Plan Director can share insights about alternative investment strategies and how an allocation to alternatives can help you build better retirement portfolios.
Important Information
1. Source: Franklin Templeton’s 2026 Voice of The American Workplace Survey, as conducted by The Harris Poll on behalf of Franklin Templeton from November 7 to 20, 2025. All 1,004 respondents, based in the United States, are classified as employers, defined as having at least some influence over company benefits and/or hiring at organizations with over 100 employees. Respondents represent a mix of industries, company size, role, age and race. Findings from 2023 and 2024 reference studies of similar natures that were conducted among 1,000 and 1,002 respondents of the same qualifications by The Harris Poll on behalf of Franklin Templeton from November 6 to 17, 2023, and November 25 to December 6, 2024.
The Voice of the American Worker Survey was conducted by The Harris Poll on behalf of Franklin Templeton from November 7 to 19, 2025, among 2,000 employed US adults. All respondents had some form of retirement savings. This online survey is not based on a probability sample and therefore no estimate of theoretical sampling error can be calculated. Findings from previous years reference studies of similar natures that were conducted by The Harris Poll on behalf of Franklin Templeton. Those studies are from October 16 to 28, 2020, among 1,007 employed US adults, from October 28 to November 15, 2021, among 1,005 employed adults, from October 17 to October 27, 2022, among 1,000 employed adults, from November 9 to November 21, 2023, among 2,001 employed adults, and from November 27 to December 10, 2024, among 2,018 employed adults.
All investments involve risks, including possible loss of principal. There is no assurance that the employment of this strategy will result in future targets being met.
This material has been provided for informational purposes and should not be construed as investment advice or a recommendation of any particular investment product, strategy, investment manager or account arrangement.
Before adopting any plan you should carefully consider all of the benefits, risks, and costs associated with a plan. Information regarding retirement plans is general and is not intended as legal or tax advice. Retirement plans are complex, and the federal and state laws or regulations on which they are based vary for each type of plan and are subject to change. In addition, some products, investment vehicles, and services may not be available or appropriate in all workplace retirement plans. Plan sponsors and plan administrators should consult the advice of legal counsel or a tax professional to address their specific situations.
Prospective investors should consult a financial professional in order to determine whether an investment product is appropriate for their particular circumstances.
Franklin Resources, Inc. and its subsidiaries offer investment management services through multiple investment advisers registered with the SEC, doing business as Franklin Templeton.
Empower refers to the products and services offered by Empower Annuity Insurance Company of America and its subsidiaries. This material is for informational purposes only and is not intended to provide investment, legal, or tax recommendations or advice
Pacific Life’s Income Horizon™ is a group deferred income annuity. Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products can be issued in all states, except New York, by Pacific Life Insurance Company or Pacific Life & Annuity Company. In New York, insurance products are only issued by Pacific Life & Annuity Company. Product availability and features may vary by state. Product and features are subject to regulatory approval. Each insurance company is solely responsible for the financial obligations accruing under the products it issues.
Empower Annuity Insurance Company of America (EAICA) is affiliated with Great-West Lifeco Inc. (Lifeco) who sold Putnam Investments, LLC to Franklin Resources, Inc. (Franklin). As a result of the transaction, EAICA’s affiliate owns approximately 6 % of Franklin as of January 1st, 2024. As a part of the transaction, Lifeco entered into arrangements with Franklin under which Lifeco has committed to allocate assets over a period of time to be managed by Franklin’s investment managers and has agreed to support the availability of Franklin and its affiliates’ products and services on enterprise platforms. If certain Franklin revenue thresholds are achieved under those arrangements, Lifeco will receive contingent transaction consideration and other financial benefits. Franklin also includes Alcentra, Benefit Street Partners, Brandywine Global, Clarion Partners, ClearBridge Investments, Franklin Templeton Investments, K2 Lexington Partners, Martin Currie, Putnam Investments, Royce Investment Partners and Western Asset Management as of January 1st, 2024.
Franklin Templeton and Pacific Life have jointly developed a solution that will include one or more group annuity contracts issued by Pacific Life to collective investment trusts for the funding of an in-plan accumulation solution.
No part of this article may be reproduced in any form or referred to in any other publication, without written permission of Pacific Life.
Franklin Templeton and Pacific Life are unaffiliated companies.