Retirement continuum roadmap

Innovative employee financial planning that helps chart the course to financial freedom

Equitable’s Retirement Continuum provides employee retirement planning that fits employee, employer and company needs. From attracting, retaining and rewarding key employees to seeking tax and wealth-building efficiency, we offer qualified and nonqualified plans in one comprehensive strategy.

Here's how it works

At Equitable, we offer an institutional services model that can be customized to your needs. And it’s easy to get started.

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Determine plan goals
Define accumulation, retention and tax strategies
Model plan icon
Model plan design
Identify desired participants and plan funding capabilities
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Incorporate custom data
Complete a brief survey with your plan’s census info

A best-in-class financial planning experience for employers and professionals

We can help you build qualified and nonqualified strategies that attract, retain and reward your key people. Watch this video to learn how Retirement Continuum addresses income gaps and helps employees overcome roadblocks on the path to retirement. 

 

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Tools & Resources

Explore our library of materials and resources to gain deeper insights into the Retirement Continuum and how it helps your business achieve its goals for employee retirement planning. These brochures offer an in-depth look at our innovative approach and tax strategies.
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Quick facts

This concise fact card helps visualize the Retirement Continuum and how it can work for you and your company.
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Comprehensive review

A deeper dive into the options for your plan and the dedicated support we can offer.
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Knowledge is power

This brochure details how the Retirement Continuum can overcome common financial roadblocks and address income gaps caused by tax inefficiencies and qualified plan contribution limits.

Frequently asked questions about the Retirement Continuum

  • What is the Retirement Continuum?
    Equitable’s Retirement Continuum combines qualified and nonqualified strategies to bridge income gaps and help achieve employee financial planning goals.
  • Who can benefit from the Retirement Continuum?
    Both employers seeking to offer benefits and attract and retain talent, and employees seeking retirement planning to help secure their financial future can benefit from the Retirement Continuum.
  • How does the Retirement Continuum address income gaps?
    Equitable’s Retirement Continuum provides nonqualified tax strategies to employees who hit contribution limits on qualified plans.
  • What makes Equitable’s Retirement Continuum unique?
    It’s customizable, integrated employee financial planning with continuous support and education for employees.

Interested in learning more?

Speak to your financial professional to determine how Equitable’s Retirement Continuum can help secure your financial future and that of your employees. Watch the video and learn about Equitable’s innovative approach to offering competitive employee benefit choices. Don’t have a financial professional? Learn more about working with a financial professional.

Prepare for a conversation with your financial professional.

  1. What are you doing to attract and retain key people beyond a basic 401(k) plan?
  2. Are you satisfied with your employee retirement plan administration, reporting and monitoring services?
  3. Does your plan design meet company objectives both for today and tomorrow?

Already have an account?

Qualified plan access - 401(k)/403(b):

Sign in to your account

Nonqualified plan access - Life income/409(a):

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Important note 

Please be advised this is not intended as legal or tax advice. Accordingly, any tax information provided is not intended to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. The tax information is provided to support the promotion or marketing of the transaction(s) or matter(s) addressed, and you should seek advice based on your particular circumstances from an independent tax advisor. CES, Equitable Advisors and Equitable Network do not provide tax or legal advice. 

Life Income Plansm — LIP uses cash value corporate-owned variable universal life insurance that tends to offer significant cash values in the early policy years because of its general lack of surrender charges and because, in the event of a full policy surrender within a certain number of years, some policy charges may be refunded. These policies often include a minimum guideline death benefit and are structured to minimize death benefit expense, yet retain the integrity of life insurance and the tax deferral benefits.

Variable life insurance is offered by prospectus. For a prospectus with more complete information, including investment objectives, risks, charges and expenses, clients should be reminded to contact their financial professional and read the prospectus carefully before investing or sending money.

Cash values in life insurance accumulate on a tax-deferred basis and can be structured for tax-advantaged access and distribution assuming policy loans after withdrawals of the policyowner's basis. Loans and withdrawals reduce the policy's cash value and death benefit, and withdrawals in excess of the policy's basis are taxable. Under current rules, loans are free of income tax as long as the policy remains in effect until the insured’s death, at which time the loan will be satisfied from income tax-free death benefit proceeds, and, if the policy is surrendered, lapsed or treated as a MEC, any loan balance will generally be viewed as distributed and taxable.

Retirement Gateway® is a group variable annuity contract issued by Equitable Financial Life Insurance Company (NY, NY). Co-distributed by affiliates Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN) and Equitable Distributors, LLC. Equitable Financial, Equitable Advisors and Equitable Distributors do not provide legal or tax advice, and are not affiliated with Wilshire Associates Incorporated or SWBC Retirement Plan Services.

The Equitable Retirement Vision® defined contribution program consists of a custodial account offered through Benefit Trust Company, within which plan participants’ chosen mutual fund shares are held, as well as a group fixed annuity contract (generic form number 2016FA-MFrev, 2016FA-MF403b) issued by Equitable Financial Life Insurance Company (Equitable Financial). The Equitable Retirement Vision® defined contribution program is distributed by Equitable Distributors, LLC (Equitable Distributors). Equitable Financial is solely responsible for meeting the obligations of the group fixed annuity contract. Equitable Retirement Vision® is a registered service mark of the contractual arrangements between affiliated and/or unaffiliated entities within the platform; PlanConnect® is a registered service mark of PlanConnect, LLC (100 Madison Street, Syracuse, NY 13202. (800) 923-6669). Equitable Financial, Equitable Distributors, and PlanConnect, LLC are separate, but affiliated companies. Benefit Trust Company is a separate and unaffiliated company. Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (NY, NY) and Equitable Distributors, LLC.

Corporate and Endowment Solutions (CES), including its administration services arm, CES Administration (CESA), is a division of Equitable, which is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (Equitable Financial) (1345 Avenue of the Americas, NY, NY 10105), Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company with an administrative office located in Charlotte, NC, and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (Equitable Financial Advisors in MI & TN). Life insurance products issued by Equitable Financial and Equitable America are co-distributed by Equitable Distributors, LLC and Equitable Network, LLC. Financial professionals of Equitable Advisors offer securities through Equitable Advisors, LLC (NY, NY (212) 314-4600), member FINRA, SIPC (Equitable Financial Advisors in MI & TN), and offer annuity and insurance products through Equitable Network, LLC (Equitable Network Insurance Agency of California, LLC in CA; Equitable Network Insurance Agency of Utah, LLC in UT; Equitable Network of Puerto Rico, Inc. in PR).

References to Equitable in this presentation represent both Equitable Financial Life Insurance Company and Equitable Financial Life Insurance Company of America, which are affiliated companies. The obligations of Equitable Financial and Equitable America are backed solely by their claims-paying abilities.

Life Insurance: • Is Not a Deposit of Any Bank • Is Not FDIC Insured • Is Not Insured by Any Federal Government Agency• Is Not Guaranteed by Any Bank or Savings Association • Variable Products May Go Down in Value

© 2025 Equitable Holdings, Inc. All rights reserved. 


GE-7621431.1 (02/2025) (Exp. 02/2027)