Top Milliman MARC Alternatives

Avenu Insights & Analytics introduces CPAS (Clearview Pension Administration Solution), a comprehensive web-based platform designed to improve the oversight of retirement plans for a variety of entities, including governmental bodies, unions, third-party administrators, and financial institutions. With a rich history of over 35 years and implementations across four continents, CPAS accommodates a wide range of pension frameworks, such as defined benefits, defined contributions, hybrid schemes, and health and welfare administration. The system features an array of integrated administrative tools, streamlined business processes, intuitive self-service portals, and powerful data management capabilities, allowing administrators to obtain a holistic view of member data and deliver exceptional service. Users benefit from secure, customized self-service portals equipped with resources for retirement modeling, planning, and calculations, which enable them to prepare proactively for their financial futures. Furthermore, CPAS is built to be both scalable and flexible, meeting the unique demands of organizations of any size. This adaptability guarantees that all users can customize the system according to their specific needs, ultimately enhancing user experience and operational efficiency. The continuous evolution of CPAS ensures it remains at the forefront of pension administration technology.

The Pension Administration System features a calculation engine, a data management application, a tool for generating reports, and a development platform designed for plan sponsors, third-party administrators, and benefits consultants. Its purpose is to effectively model complex benefit plans through parameter definitions, predefined business objects, and entry points that adhere to established protocols, all customized to meet distinct benefit administration requirements. Implementing an N-tier architecture, the system divides the application into multiple layers, promoting a modular design that supports scalability and enables rapid, cost-effective integration with existing client infrastructures. Moreover, the Pension Administration System is crafted to simplify all pension administration functions without necessitating intricate coding. In addition to these features, the system provides a range of functionalities aimed at improving usability and efficiency for its users. This comprehensive setup ensures that organizations can manage their pension tasks seamlessly while maintaining high levels of productivity. Furthermore, below is an extensive overview of some of the processes offered within the system.

Equiniti Retirement Solutions offers a diverse range of innovative software and platform solutions designed to transform pension administration through state-of-the-art technology and digital advancements. With a rich heritage spanning over 187 years in sectors such as retail and workplace wealth, life, and pensions, EQ is dedicated to delivering technology that is ready for the future, aimed at reducing ongoing costs, improving efficiency through automation, and managing regulatory risks effectively. Their distinct administration platform, Compendia, ensures a seamless user experience, featuring automated benefit calculations, efficient document management, and self-service options for members. Specifically tailored for Local Government Pension Schemes (LGPS), the Compendia LGPS addresses the unique needs of public sector pension administration by integrating workflow automation, online member services, and real-time management insights. Additionally, EQ provides robust data solutions that tackle the risks associated with inadequate pension scheme data, promoting greater reliability and accuracy in pension management practices. This holistic strategy highlights EQ's unwavering commitment to improving the overall efficiency and effectiveness of pension administration for its clients, ensuring they are well-equipped to meet future challenges. In doing so, EQ not only enhances operational performance but also fosters trust among stakeholders.

Pension OS, created by Union.dev, is a cutting-edge software solution designed for the administration of pension plans, streamlining the management of union pensions across a range of different plans. It boasts a centralized database that meticulously tracks comprehensive information for each member, whether they are active or have exited, allowing administrators to efficiently update contact information, manage dues, and oversee beneficiary matters while preserving a detailed audit trail of all changes. The platform supports various types of pension plans, such as defined contribution, defined benefit, multi-employer pension plans, and Taft-Hartley plans. This sophisticated system features a modern cloud-based database, customizable workflows, security-oriented permissions and approvals, personalized reporting capabilities, payment integrations, instant statement generation, and a thorough audit trail. Furthermore, Pension OS facilitates seamless transitions for members, enabling the rapid processing of retirements, terminations, or deaths with minimal hassle, thus significantly alleviating the administrative workload. Its intuitive interface combined with robust functionalities makes Pension OS an exceptional option for unions aiming to enhance and modernize their pension management practices, ultimately fostering a more efficient and user-friendly experience for both administrators and members alike.

PensionPro is an all-encompassing cloud-based software solution designed to improve the efficiency of Third Party Administrators (TPAs) by streamlining plan management, enhancing client communications, and optimizing overall business operations. It comes in three distinct tiers: TRACK, TEAM, and BUSINESS, each tailored to meet various organizational needs. The TRACK tier serves as the entry-level option, providing essential tools such as Client Relationship Management (CRM), a Plan Cycle Milestone Dashboard, and basic reporting capabilities. It also includes access to PlanSponsorLink.com, a secure portal that enables smooth information exchange between administrators and clients. The TEAM tier expands upon the functionalities of TRACK by adding features like online data collection, time tracking, mass emailing capabilities, oversight of fee schedules, and integration with ftwilliam.com for essential forms and compliance requirements. This tier is specifically designed to enhance organizational structure and simplify internal workflows, leading to increased profitability. In addition, the BUSINESS tier delivers advanced tools and analytics that empower larger organizations to optimize their operational productivity further. With each successive tier, PensionPro provides increasingly sophisticated solutions tailored to support the diverse needs of TPAs.

PensionGold® software is recognized as the leading-edge and advanced solution available for pension administration today. Designed with contemporary web technologies in mind, it functions as a browser-based tool for retirement management, boasting an extensive suite of features tailored specifically to defined benefit pension plans. This all-encompassing software is the result of insights and expertise accumulated over three decades in the industry. With a design that is both configurable and scalable, PensionGold is built on our proprietary Enterprise Solutions Foundation (ESF) platform. The ESF utilizes a multi-tiered, service-oriented architecture (SOA) that not only amplifies the capabilities of PensionGold’s diverse features but also provides users with tools for design-time configuration, enabling them to readily adapt to their changing business requirements. By adopting this cutting-edge approach, we empower our clients to effectively manage and modify their pension plans in response to shifts in their operational environments, ensuring they remain agile and responsive.

The PX3000 platform, created by Penad, serves as a comprehensive software solution designed specifically for the administration of pensions, adeptly handling various types of benefits and pension schemes. Its robust and scalable architecture ensures secure operations, while advanced reporting functions and self-service access empower financial institutions to effectively oversee and support both individual and group pension accounts that encompass diverse savings options. Furthermore, the PX3000 includes an extensive range of features, such as a dedicated Human Resources Administration (HRMIS) module, tools for managing retirement plans, services tailored for retirees, and a module focused on group life and health benefits, among other capabilities. This diverse functionality positions PX3000 as an invaluable resource for organizations seeking to optimize their pension administration processes and enhance overall operational efficiency. As a result, institutions utilizing PX3000 can expect significant improvements in their ability to manage and streamline pension-related tasks.

SpyGlass, our cutting-edge software designed for enterprise-level health claims management, offers a flexible and powerful solution for achieving precise and efficient claims processing. This platform greatly simplifies the configuration of benefits and plans. Complementing SpyGlass, BenefitDriven provides specialized features such as eligibility verification, contribution accounting, and pension management tailored specifically for the Taft-Hartley sector, which includes a thorough array of data and processes for both Participants and Employers. Our comprehensive EDI gateway and scheduler, known as HIPAA Director, serves as a pivotal hub, facilitating effortless connections with vendor partners to reduce transaction costs, optimize batch transfers, and automate the entire transfer process. With SpyGlass, you not only gain a broad overview of your population but also have the ability to easily access detailed information. The platform offers a vast array of customizable reports and dashboards, allowing you to maintain complete control over your system, ensuring that all the necessary tools for informed decision-making and operational optimization are readily available. Ultimately, SpyGlass empowers organizations to significantly boost their efficiency and effectiveness in managing health claims while adapting to the evolving needs of the industry. Through its innovative features and user-friendly interface, SpyGlass stands out as the ideal choice for organizations seeking to streamline their health claims processes.

Our software delivers exceptional automated services for managing pensions efficiently. Procentia operates as a standalone company dedicated to crafting cutting-edge software solutions for the pension industry. As a recognized global leader in this field, we work hand-in-hand with our clients to provide a flexible, reliable, and cost-effective approach to pension management. The outstanding quality of our software, paired with our commitment to exceptional customer service and the knowledge of our specialized staff in pensions and financial services, solidifies our highly regarded global standing. Testimonials from our clients highlight the significant benefits they and their customers have experienced thanks to the integration of Procentia's innovative software. Our implementation and support teams comprise adept developers who possess extensive experience in the pensions and financial services sectors. Moreover, we offer a comprehensive online knowledge base and issue resolution tools that are accessible 24/7, ensuring that help is always readily available. This dedication to consistent support emphasizes our mission to empower clients in their pension administration efforts, ultimately enhancing their operational efficiency and client satisfaction.

Sagitec provides a diverse array of cutting-edge software solutions, such as Neospin™, which is a thorough browser-based system aimed at streamlining the management of pension benefits effectively. In addition, Sagitec Neosurance™ offers a fully integrated platform to manage unemployment insurance, disability insurance, and paid family leave, all accessible via a user-friendly web interface. The Sagitec HealthConnect platform enhances Medicaid member engagement by allowing users to actively participate in their health management, leveraging Microsoft's Azure cloud, which boasts HITRUST certification for robust security. Moreover, Xelence™ acts as Sagitec's low-code/no-code development environment, offering a visual interface that empowers both citizen developers and IT specialists to design, test, and deploy a wide range of applications. This platform significantly simplifies the development workflow, accommodating projects that range from simple consumer apps to intricate enterprise solutions, thanks to its intuitive drag-and-drop features and integrated enterprise architecture tools that facilitate efficient application deployment. By utilizing these innovative tools, organizations can not only boost their operational efficiency but also elevate the quality of service delivery across a multitude of sectors, thereby fostering a more responsive and effective organizational environment.

Civica's Universal Pensions Management (UPM) is a comprehensive, cloud-based platform designed for managing pension administration, with the goal of enhancing member experiences and streamlining operations. By integrating key functions such as pension administration, document management, and payroll into a single system, UPM utilizes advanced process automation to reduce administrative costs and improve data integrity. The solution features customized online portals that serve both members and employers, significantly advancing digital transformation and offering extensive self-service capabilities. Furthermore, UPM integrates seamlessly with leading industry solutions, which are essential for bank validation, identity verification, and document validation. The platform efficiently oversees more than 100 pension schemes, managing upwards of £43 billion in assets and serving approximately 3.5 million members. Notably, four of the top five local government pension schemes have reported the lowest 'per-member administration' costs using UPM, underscoring its effectiveness in the sector. In summary, UPM emerges as an indispensable asset for contemporary pension management, proving its value in optimizing both member engagement and operational efficiency.

PENFAX is an all-encompassing technology solution for pensions, comprising four essential products designed to cater to diverse organizational needs. These products utilize scalable technology that can be customized to align perfectly with your specific requirements. Our administration system, in particular, guarantees accurate calculations no matter how intricate your pension rules may be, while our portal offerings are designed to meet the unique preferences of both plan members and employers. The PENFAX Admin System includes a comprehensive array of modules that facilitate efficient pension management, trusted for handling even the most complicated plans. It boasts a powerful and adaptable rules-driven calculation engine, capable of adjusting to perform both simple and highly complex calculations, with the ability to accommodate memberships from 1,000 to 1,000,000 individuals. Our team of dedicated professionals partners with you to thoroughly understand your needs, ensuring that PENFAX is precisely configured to boost efficiency for your organization. Additionally, our continuous support ensures that your pension administration remains flexible and responsive to evolving business needs, ultimately driving sustained success over time. As a result, PENFAX not only meets current demands but also prepares you for future challenges in the pension landscape.

Slope Software has introduced a cutting-edge, cloud-based platform for actuarial modeling that seeks to make complex financial projections and analyses much more straightforward. This platform enables users to create models visually without the need for coding, offering live validation of formulas, which allows actuaries to build transparent and flexible models efficiently. It features an extensive library of both assets and liabilities, which simplifies the development of intricate financial products. With its high-performance mode, Slope can accelerate projection speeds by up to ten times, allowing users to quickly extract critical insights through its dynamic reporting features. In addition, the platform boasts sophisticated assumption management capabilities, which aid in the collection and monitoring of data from upstream sources to create robust assumptions. Slope also supports integration with APIs and Snowflake, which automates repetitive processes and permits users to access actuarial results alongside other vital company information, thereby enhancing overall business intelligence. By facilitating these enhancements, Slope Software not only optimizes the actuarial workflow but also significantly contributes to informed strategic decision-making for various organizations, making it an essential tool in the financial sector. Ultimately, the combination of these features positions Slope as a transformative solution in the world of actuarial science.

Visma Idella provides innovative software and services specifically designed for the financial sector in the Netherlands, focusing on areas such as pension management, disbursements, and social benefits. Serving over 4.3 million Dutch pension members and managing monthly disbursements of €2 billion, the firm offers cloud-based, modular, and scalable solutions that ensure compliance with both national and international regulations and security standards. As part of the global Visma Group, Visma Idella adheres to stringent requirements concerning cybersecurity, privacy, and compliance. In a time when technology significantly impacts the financial industry, the company is adept at tackling complex challenges while delivering substantial value. Our commitment lies in developing and implementing software that meets the specific needs of financial institutions, promoting efficiency and innovation within the industry. By continuously refining and adapting our solutions, we strive to improve the overall experience for our clients and their beneficiaries, ensuring they receive optimal support and services that align with their evolving needs.

V3locity®, created by Vitech, is a revolutionary cloud-based solution designed for administration, engagement, and analytics, offering a wide range of business functionalities across the entire lifecycle while incorporating robust enterprise features. This cutting-edge platform effectively merges vital administrative functions with an outstanding digital user interface, enhancing the overall user experience. Its flexible modular design promotes quick and customizable deployment strategies to meet diverse business requirements. Built upon an advanced cloud-native architecture, V3locity leverages the unique strengths of AWS, guaranteeing a solution that stands out in terms of security, scalability, and resilience. As a result, it fundamentally changes the way organizations function and interact with their customers, paving the way for future advancements in business operations. The seamless integration of technology and user experience is set to redefine client engagement in various sectors.

While cloud technology has simplified numerous operational aspects, your team may still experience feelings of being overwhelmed. Our HR solutions are designed to automate monotonous tasks, enabling you to focus on what really matters—becoming a more strategic ally in your organization and improving the overall experience for your workforce. With our service centers, chat support, and self-service request portals, reliable HR assistance is always within reach, featuring various language options and tailored systems. Whether your employees encounter significant challenges, have minor questions, or need help navigating your systems, we are equipped to assist in all scenarios. Your HR platform excels at managing personnel, but are your processes fully capitalizing on the available technology? We don't stop at routine administrative functions; we also pinpoint opportunities for process improvement and analyze what the data indicates about your employees. This approach aims to enhance both utilization and satisfaction through a well-integrated benefits platform, ensuring your team can engage fully with the resources available to them. Ultimately, our mission is to empower your organization to realize its fullest potential and foster a more productive work environment. Additionally, by continuously refining our services, we strive to keep your HR practices at the forefront of innovation.

The Retirement Analysis Kit (TRAK) is an innovative software solution designed to aid advisors in encouraging individuals to become retirement-ready. It effectively tackles essential questions that clients often have regarding their retirement strategies. By providing personalized educational resources, TRAK motivates users to take proactive steps toward their future. The platform also supports in-depth one-on-one retirement planning sessions, allowing for the calculation of pension benefits, survivor options, and methods for maximizing pensions. Moreover, it presents savings strategies for 403(b) and 457 plans, weaving them into an all-encompassing retirement approach. TRAK emphasizes the importance of clients' best interests by offering clear and straightforward insights into common retirement strategies. Have you ever invested a substantial amount of time and effort in crafting a retirement plan for your clients, only to be met with indifference as they responded, "We’ll think about it"? Such experiences reveal a gap in effective engagement with your clients, a gap that TRAK is determined to fill with its interactive and user-friendly platform, ensuring that individuals not only understand but also feel inspired to act on their retirement plans.

The Retirement Analysis Kit (TRAK) represents a state-of-the-art software platform tailored for retirement planning, boasting a proven track record in helping advisors enhance client engagement and preparedness for retirement. It effectively tackles the key issues that clients often face throughout their retirement planning process. By providing customized educational resources, TRAK encourages individuals to take initiative regarding their financial futures. The software enables personalized retirement planning consultations and calculates various pension benefits, including options for survivors and strategies for maximizing pensions. Additionally, it showcases savings techniques for 403(b) and 457 plans, ensuring a comprehensive methodology to retirement preparation. TRAK further computes extensive federal benefits, covering FERS, CSRS, and CSRS offset, while incorporating TSP, FEGLI, and long-term care considerations for federal workers. Through its delivery of clear and insightful evaluations of prevalent retirement strategies, TRAK empowers advisors to prioritize their clients' best interests. Ultimately, TRAK serves as a valuable tool for advisors, fostering inspiration and engagement among clients through streamlined retirement planning solutions that simplify the entire process. This groundbreaking software not only revolutionizes the approach to retirement planning but also enhances the overall experience for both advisors and their clients, making it more accessible and efficient. By bridging the gap between complex retirement concepts and practical application, TRAK paves the way for a brighter financial future for all involved.

Lynchval Systems Worldwide Inc. operates as a private solutions provider dedicated to crafting and delivering software and consulting services specifically for pension and Other Post-Employment Benefits (OPEB). Our core advantage lies in our ability to work closely with clients, developing personalized pension and benefits solutions that are finely tuned to their individual needs. We feature a unique product architecture paired with sophisticated programming skills, which allows us to integrate intricate plan provisions smoothly into our system. Our expertise enables us to adjust software functionalities to meet client specifications, whether through enhancing existing features or creating bespoke interfaces, tailored reports, and specialized calculation modules from scratch. Furthermore, our solutions are designed with scalability in mind, meaning they can efficiently handle diverse participant volumes while providing the rapid calculation speeds that our clients demand. We take pride in our dedication to both customization and high performance, which distinguishes us within the competitive landscape of the industry. Ultimately, our focus on collaboration and adaptability ensures that we remain a trusted partner for organizations navigating the complexities of pension and OPEB management.

Oversee participant data, connect with payroll and HRIS systems, evaluate benefits, create worksheets and retirement information packets, and provide a self-service portal for employees to review their pension information and model retirement benefits. Furthermore, it offers administrative HR capabilities to payroll vendors to improve their payroll operations. This platform incorporates real-time two-way data synchronization through a RESTful API with the payroll database, enabling seamless interactions. Additionally, it monitors employee vaccination and testing records while securely managing documentation for verification of vaccines and tests. Users can access detailed reporting across the entire participant base, complemented by automated notifications and a self-service interface. Clients enjoy the advantages of the latest version of our primary application, which empowers our implementation teams to craft solid solutions that function effectively in both public and private sectors, promoting client satisfaction and operational efficiency. Our steadfast commitment to ongoing enhancement and user assistance underscores our focus on delivering outstanding service and support. In this way, we ensure that our clients are not only equipped with the tools they need but also receive the highest standards of quality in their operations.

BeneSys embarked on its mission by developing software specifically designed for our industry needs. Our unique software solution, BenefitDriven, was developed in-house using the Microsoft technology framework, particularly .NET in conjunction with SQL Server. BenefitDriven integrates a diverse range of data related to both Participants and Employers, including personal demographic information and unique identifiers, as well as crucial data about the management and distribution of contributions, precise calculations, and daily oversight of various benefits like health and welfare, pensions, and vacation time. Furthermore, the software supports ongoing communication and streamlines accounting and auditing processes, ensuring that all essential elements are thoroughly covered. In essence, BenefitDriven serves as an indispensable resource for improving operational efficiency and accuracy while enabling our organization to better serve its clients. Additionally, this powerful tool positions us to adapt to future challenges in the industry with confidence.

Milliman Integrate is a comprehensive cloud-based platform designed to transform actuarial modeling and reporting, particularly within the life insurance industry. Expanding upon the principles of MG-ALFA, Integrate offers a groundbreaking method that merges advanced technology with specialized services and operational support. This unique combination empowers actuaries to efficiently navigate complex financial models, fostering scalability, reliability, and enhanced governance. The system supports a diverse range of asset types and insurance offerings, facilitating both instant valuations and sophisticated multi-dimensional forecasts. By unifying data, modeling, and reporting functions into one cohesive system, Integrate streamlines actuarial processes, enabling faster access to crucial insights essential for managing risks and seizing opportunities. Its cloud-based architecture ensures robust disaster recovery capabilities and seamless scalability, allowing organizations to swiftly adapt to evolving market needs. Furthermore, the intuitive interface and comprehensive collaboration tools significantly boost the overall productivity of the actuarial workflow while also promoting teamwork among users. In this way, Milliman Integrate not only enhances efficiency but also strengthens the strategic decision-making process within firms.

Our solutions for retirement planning offer numerous benefits, such as easy management, unbiased investment choices, fiduciary support, and streamlined setup processes, all of which lead to significant advantages. ADP is committed to helping participants prepare for retirement by providing employees with essential tools that empower them to plan for their future at their own pace. With a mobile enrollment platform that enables participants to register anytime and anywhere, along with features like the MyADP Retirement Snapshot calculator—which provides a customized estimate of retirement savings through specific questions—and proactive messaging that shares critical updates, we consistently focus on the needs of both you and your team. Making educated investment choices for your plan is crucial, as this can greatly impact its overall success, ensuring that all participants can effectively meet their retirement aspirations. Furthermore, our dedication to innovation drives us to continually seek new strategies to improve the retirement planning experience for everyone involved, ensuring that we stay ahead in meeting evolving needs. We believe that a forward-thinking approach not only enhances participant engagement but also fosters a culture of financial well-being within organizations.

Revolutionize the way you manage your benefits and retirement plans with a solution that is both comprehensive and cost-effective. Oliver provides cutting-edge benefits administration software that transforms the handling of these essential components. Our experienced team, with decades of expertise, ensures a smooth Data Migration process, tackling the significant task of managing sensitive employee information. When it comes to accurately determining eligibility for hourly workers, Oliver’s Hour Bank Product simplifies complex workflows that often accompany intricate plan details. Furthermore, updating legacy systems can pose serious challenges for administrators, frequently relying on the expertise of a single individual. Our strategic approach to configuration boosts the efficiency of our Pension Plan Products, helping you navigate these complexities with ease. By choosing Oliver, you are not merely implementing software; you are making a commitment to a more efficient and organized future for your company. This investment will ultimately lead to improved employee satisfaction and better resource management.

The Paystub Generator enables you to produce paystubs whenever necessary. It offers extensive information regarding gross earnings for every pay cycle, detailing a range of deductions such as retirement contributions, pension plans, insurance costs, garnishments, and charitable gifts, in addition to aiding you with tax computations. This tool is crafted to simplify the payroll process while guaranteeing precision in financial records, ultimately enhancing your efficiency and productivity.

Quickly develop innovative, reliable, and secure wealth management solutions by leveraging our financial simulation engine through adaptable APIs, which are currently transforming wealth services across various financial institutions. OutRank streamlines financial decision-making by utilizing simulations that assess the personal balance sheets of your clientele. This extensive customer experience empowers both financial advisors and clients to consider all dimensions of personal finance as they evolve throughout different life stages, especially when making significant financial decisions. With the OutRank API, pension providers can design sophisticated retirement plans tailored for both the accumulation and decumulation phases. Depending on the specific business model, this technology enables your advisors or clients to adeptly handle the intricacies of retirement planning, providing intuitive resources for financial decision-making. Our APIs are crafted with precision by industry veterans, guaranteeing that the foundational models uphold exceptional standards of quality and dependability. Consequently, clients can anticipate a more customized and efficient method for managing their wealth, ultimately enhancing their overall financial experience. This approach not only fosters stronger relationships between advisors and clients but also contributes to more informed financial planning and investment strategies.

Imagine a streamlined strategy that transforms your organization into a more productive workspace, offers enhanced employee benefit choices, and presents a variety of additional perks. Standard Life is ready to help you realize this vision with our all-encompassing solution, which involves working closely with us to create a unified suite of services designed to meet your specific organizational needs. This innovative approach can efficiently oversee your workplace pension, develop a comprehensive rewards and benefits framework, or grant your employees access to our financial wellness and planning services, savings options, and retirement solutions. By establishing a rewards system that strengthens your ability to attract and retain top talent, you can also provide motivating rewards and support for your workforce. This rewards package could include optional benefits, appealing incentives, and extensive financial wellness resources, ultimately cultivating a workforce that is not only more satisfied but also more driven and engaged in their roles. Additionally, adopting such a forward-thinking benefits strategy can significantly enhance your organization's overall culture and employee morale.

Our cutting-edge technology is tailored specifically for the pension industry, focusing on a digital-first strategy that streamlines pension management for employers. Additionally, our application allows members to easily monitor their pension savings at any time, requiring only a quick tap. We are dedicated to wisely investing members' pension funds to secure strong returns while proactively tackling climate change, contributing to a healthier society and planet. Our objective is to reach net-zero emissions by 2040 and achieve a 50% reduction in emissions by 2025. To protect members' pension assets, we enforce robust governance practices, supported by the oversight of independent trustees. Understanding that each individual's financial circumstances during retirement can differ and shift, we created Smart Retire to cater to these evolving needs. Our focus on a user-friendly, technology-driven solution enables both employers and members to manage their pension requirements with ease and efficiency. By blending strategic investments with innovative technology, we position ourselves at the leading edge of the industry, committed to fostering both financial prosperity and social accountability, while also prioritizing transparency in our operations.

Keystone by Smart offers a flexible platform designed for various organizations such as national and regional governments, financial institutions, pension providers, asset managers, trade associations, and affinity groups. These enterprise solutions are tailored to align with the unique requirements of each organization and their respective markets. As the first global, cloud-native retirement savings platform, Keystone by Smart operates across four continents, helping over a million individuals manage their retirement savings in partnership with some of the world's leading financial organizations. This innovative technology solution allows financial services and governments to effectively address the needs of their customers and citizens while being responsive to future legislative changes. The platform encompasses a wide array of features, including user-friendly applications and web tools for employers and employees, alongside comprehensive data migration services that ensure a smooth transfer and consolidation of numerous accounts. By utilizing Keystone by Smart, organizations can enhance their efficiency and significantly improve the retirement planning experience for their users. Furthermore, this adaptability fosters a more proactive approach to retirement planning, enabling organizations to stay ahead in a rapidly changing financial landscape.

The AXIS actuarial system developed by Moody’s Analytics is recognized as a robust modeling solution that serves insurers, reinsurers, and consultants in their actuarial evaluations tied to life insurance and annuity functions. Emphasizing both high performance and ease of implementation, the system combines flexibility, resilience, scalability, and economical pricing. Users can tap into powerful computing capabilities through an advanced cloud-based platform or through conventional software installations. As a multifaceted actuarial tool supported by vendors, AXIS supports a wide range of activities, including reserving, asset and liability management (ALM), pricing methodologies, financial modeling, capital calculations, hedging strategies, and the formulation of financial structures. Additionally, it enables users to forecast future monthly cash flows based on initial liabilities and invested assets for durations extending to a hundred years. The system also facilitates the evaluation of diverse business segments by employing both deterministic and stochastic approaches to analyze profitability and variations in surplus, as well as to evaluate the effects of reinsurance contracts and changes in premiums or other plan values, thereby ensuring a comprehensive strategy for effective financial planning and management. Ultimately, AXIS stands as an indispensable tool for those looking to enhance their actuarial processes and decision-making capabilities.