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Retirement Income Is Best Delivered As a Process-Driven Out-of-Plan Solution (PDF)
Unified Trust Company, N.A. 
July 16, 2012
"Today 401(k) participants face not one but two immense challenges. The first is to simply figure out how to save and invest for retirement, and remain on track throughout their working career. The second is how to take the lump sum asset value of savings at the beginning of retirement and convert it into lifetime monthly income sufficient to reliably replace their paycheck. The second challenge highlights the need for reliable retirement income solutions. This has become more evident each year."
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