The termination of 145,000 employer-sponsored defined benefit plans has left millions without a dependable pathway to lifetime income. To address this gap, Persuazo has developed Defined Benefit Investor™ (DBI), a patent-pending application that enhances retirement planning by recreating the defined benefit model on a personal scale.

DBI introduces Defined Benefit 401(k)™, a groundbreaking concept that “wraps” participant accounts with a technology-driven overlay designed to manage assets toward a predefined income goal. This innovation directly addresses the limitations of 401(k) plans in providing lifetime income security, while offering substantial benefits to recordkeepers.

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A Personalized Retirement Solution: DBI empowers participants to tailor their own defined benefit “wrapper,” transforming their accounts into a lifelong retirement security plan with guaranteed income.

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Enhanced Engagement: By involving participants more deeply in their retirement planning, DBI fosters a greater sense of ownership and confidence in their financial future.

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Higher Deferral Rates: Through targeted education on inflation and future purchasing power, DBI motivates participants to increase contributions, driving higher employer match levels.

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Appeal to Younger Generations: Millennials and Gen Z workers, who value stability and predictability, will find DBI especially compelling as a modern, reliable path to retirement security.

DBI represents a transformative opportunity to redefine retirement savings and income strategies, ensuring participants achieve financial independence while revolutionizing the 401(k)-ownership experience.