Retirement income analytics provider Nestimate has launched the Retirement Income Score(k), called RIS(k), an innovative actuarial and investment modeling tool that allows plan sponsors, fiduciaries, and financial advisors to evaluate the impact of in-plan annuities at the plan and participant level.
RIS(k) was officially introduced at the inaugural 2025 Nestimate Retirement Income Summit, held recently in St. Petersburg, Fla. The RIS(k) score is a key component of the company’s patent-pending platform to evaluate income solutions.
Integrated into the Nestimate platform, RIS(k) leverages participant-level data combined with an advanced actuarial framework and capital markets modeling. The tool runs Monte Carlo simulations to provide a detailed, participant-specific impact analysis of adding lifetime income solutions within retirement plans.
“Plan sponsors and fiduciaries have long struggled to quantify the true benefit of in-plan annuities for their participants,” said Nestimate COO, Josh Anderson. “With RIS(k), we provide a data-driven, participant-level assessment that empowers decision-makers to evaluate lifetime income solutions with confidence.”
New approach to lifetime income analysis
RIS(k) streamlines the lifetime income evaluation process, allowing plan fiduciaries and financial advisors to:
• Assess the potential retirement income improvement for each participant and across the entire plan.
• Quantify the real impact of in-plan annuities using advanced analysis.
• Make faster, more informed decisions on integrating lifetime income options.
“Traditional annuity evaluations often rely on generalized, qualitative assumptions that fail to reflect the unique needs of a plan’s participants,” said Nestimate Founder Kelby Meyers. “RIS(k) changes that by delivering precise, participant-level insights—helping plan sponsors determine whether lifetime income solutions align with their plan’s demographics and objectives.”
RIS(k) is now fully integrated into the Nestimate platform, making it immediately accessible to plan sponsors, advisors, and consultants seeking to implement retirement income solutions.
For more information on RIS(k), visit https://www.mynestimate.com.
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Veteran financial services industry journalist Brian Anderson joined 401(k) Specialist as Managing Editor in January 2019. He has led editorial content for a variety of well-known properties including Insurance Forums, Life Insurance Selling, National Underwriter Life & Health, and Senior Market Advisor. He has always maintained a focus on providing readers with timely, useful information intended to help them build their business.
