At Perspective Partners, our passion is the financial security of 401(k) plan participants.  That’s why we have the best gap analysis reports and tools in the industry.  We know that the majority of 401(k) participants fail to retire with adequate savings, and we know that it takes more than education to fix the problem.  The simple fact is, investing behaviors need to change.

For that to happen, sponsors need to know the funding sufficiency metrics for their plan.  Participants need actionable information about their personal situation, and need support from advisors.  Advisors need state-of-the-art tools to support their diverse servicing models, including methods to maximize the efficiency of 1-on-1 meetings, or to deliver financial planning services to participants.

Our TANDM-401(k) suite of reports and tools does all of that and more.  Our passion has driven us to invent what we call the PALM Engine™.  It provides unprecedented robustness in personalized asset and liability modeling.  With the PALM Engine under the hood, TANDM provides highly personalized messaging and guidance for every participant, telling them how their 401(k) plan is doing currently—and what it needs to do in the future.