Financial Anxiety Is a Hidden Workplace Drain

Longer lives should be a gift, not a burden. the stress of outliving savings is real. Longevity benefits are the new frontier of employee wellness.

64% of employees worry more about outliving their money than dying
Employees are living 20% longer than their grandparents.
Worries about late-life finances are rising each year
Solving this reduces stress, depression, and improves sleep, leading to better health outcomes.

As lifespans increase, most employees will outlive their grandparents by decades. But many aren’t financially prepared for that future, and it’s costing your business more than you think.

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Savvly: Using technology and math to build the longevity benefit that workers love and need

Savvly helps employees prepare for later life with dignity and flexibility. It’s a new kind of benefit that rewards long life with increasing cash payouts starting at age 80.

Real money for real needs: Whether it’s for family, health, travel, or peace of mind, employees get meaningful payouts on their terms.

Low-cost, high-impact: With lower contributions than most long-term benefit plans and optional employee deposits, you can offer a powerful financial safety net without breaking your budget.

Always accessible: Employees can withdraw their funds at any time, with no hidden restrictions or eligibility requirements to meet.

Future-focused. Financially smart. Savvly gives your employees peace of mind today and tomorrow.

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“Savvly’s pooled equity model introduces a fresh alternative to traditional retirement planning products, combining the growth potential of the market with structured late-life payouts.”

Rob Burgess

Technology Reporter, WealthManagement.com

“Savvly is taking a novel approach to longevity risk by pooling investments and distributing them later in life — a structure that could resonate with employers and retirees alike.”

Dinah Wisenberg Brin

Reporter, ThinkAdvisor

I think it really is an innovative and fun advancement.

David Blanchett

Managing Director, PGIM DC Solutions

An employee who feels more secure stays with you

Savvly is a modern longevity hedge designed to deliver 3–4x more value than traditional investing alone. By combining index-based market returns with the power of actuarial science, Savvly unlocks smarter, more efficient retirement payouts.

How the Savvly benefit protects:

A small percentage of an individual’s savings is invested in an actuarially managed market-tracking ETF. Then, every five years, starting at 80, they receive payouts. Payouts continue to 95 regardless of their health status.

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For example… How much could an employee get?

If she/he keeps receiving an employer deposit of $100/month until they retire at 65 and is now

If the S&P 500 grows at 6% per year

If the S&P 500 grows at 8% per year

If the S&P 500 grows at 10% per year

If the S&P 500 grows at 12% per year

$1.9M+

$5.4M+

$15M+

$39M+

$980K

$2.3M+

$5.6M+

$12M+

$440K+

$940k+

$1.8M+

$3.9M+

$280K+

$280k+

$500k+

$900k+

Note: the average long-term S&P 500 return has been 9%. The outcome shown above is an estimate of the sum of the four payouts at 80, 85, 90, and 95. The amount of these payouts is dependent on the return of the S&P 500 and the performance of the pension pool. Please see assumptions and disclosures at https://www.savvly.com/terms-conditions

How Does It Work?

Why Employers Choose Savvly

Future-Proof Your Benefits Without Complex Plans

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Built for Longevity

A late-life benefit strategy that helps address outliving retirement savings.

Designed to support employees into their 80s and beyond

No lifetime liability or funding risk for employers

Flexible contribution structure you can control

Boost retirement outcomes by 20–30%

Complements Your Current Benefits

Savvly integrates with your existing 401(k) or retirement plan.

No disruption to your current retirement setup

Works alongside 401(k)s, IRAs, and other programs

Engage employees with optional education and financial tools.

Easy for employees to understand and track

Encourages Retention

The longer employees stay, the more value they may unlock, helping reduce turnover.

Contributions can grow over time based on tenure

No need to increase salaries to boost loyalty

Shows long-term care for loyal workers

Stand out in a competitive talent market.

Supports Workforce Mobility

When employees feel confident, they’re more likely to retire on their own terms.

May help open roles for new or younger employees

Reduces financial pressure to delay retirement

Encourages thoughtful career transitions

Aligns workforce planning with employee needs

Scalable Cost Model

Savvly is cost-efficient, with no health-checks, or hidden fees.

You choose the monthly contribution per employee

No long-term contracts. Seamless integrations.

Scales easily for mid-size and large teams

No extra cost as employees age or move up the ladder.

Inclusive by Design

Savvly works for everyone, regardless of income, job type, or health status.

Equal access for hourly, salaried, and part-time staff

Structured as a standalone ERISA plan.

Aligns with DEI and equity goals

Respects all roles across the plant floor and offices

You get increased productivity and better retention

Savvly is a modern benefit that supports your workforce today and tomorrow. It is available to them as a standalone option or as an addition to existing plans, such as 401ks.

Boost retention with long-term financial security

A benefit employees will actually understand

Attract and retain talent with future-proof retirement planning

Fits seamlessly into any benefits program

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An Innovative New Benefit for Longevity