Over 10,000 Americans retire every day, yet $30+ trillion in retirement assets sits waiting to be converted into reliable income streams. Most of today’s retirees are facing a difficult choice: accept the control and liquidity limitations of annuities for guaranteed income, or rely on unpredictable withdrawal strategies that create spending anxiety and market risk.
The nation’s decumulation crisis demands a new approach that delivers predictable income without sacrificing investor control or advisor relationships.
Predictable Income, Simplified
reddi is built to solve the pressing challenge of helping advisors create reliable income streams for their clients. Annuities promise security but often come with trade-offs: loss of asset control, confusing contracts, limited flexibility, and uncertain return.
reddi eliminates the income delivery trade-offs through self-insured personalized investment portfolios. The platform leverages defined maturity ETFs and liability-driven investing principles, empowering advisors to build income-driven portfolios with clarity and confidence. Clients can see their future income mapped out in granular detail, and advisors can demonstrate exactly how those income streams are funded.
The 3 Ps of Income: Probable, Predictable, Protected
reddi helps advisors construct income-driven investment strategies that fill the gap between traditional investment portfolios designed to provide a probable or variable level of income, and protected or guaranteed income annuities.
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Probable Income: Multi-asset investment portfolios including stock are stress-tested using Monte Carlo simulations to arrive at a mean level of income with assumed standard deviation or expected variability.
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Predictable Income: A fixed-income investment portfolio of defined maturity ETFs is assembled precisely and then self-insured through surplus optimization to provide a precise income schedule directed by the advisor in consultation with their client. This balance sheet approach transforms income planning from an abstract projection into a tangible, manageable process that both advisors and clients can understand. Longevity protection is not provided as mortality risk pooling does not occur.
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Protected: Insurance companies underwrite a precise income schedule to be drawn from general account assets primarily composed of fixed income securities using asset liability management and risk pooling (i.e., longevity protection). This is coupled with statutory minimum liquidity requirements mandated by regulators. State guarantee associations then backstop these insurer obligations.
Moving Beyond Complexity in Advisor Technology
Most advisor technology platforms demand a significant time commitment before delivering real value. They require advisors and clients to immerse themselves deeply in proprietary systems, workflows, and ongoing training. For many, the promise of utility never fully materializes without a long-term investment in learning a new operating system.
reddi takes a different approach. Rather than asking advisors to overhaul their routines, reddi functions like an add-on app that works right away, delivering meaningful results without heavy lift or endless onboarding. It brings institutional-grade portfolio construction tools directly to the advisor’s desktop, in a format that is simple, intuitive, and immediately useful.
Transparency Where It Matters
While some advisor platforms claim transparency as a differentiator, reddi positions it more strategically. This transparency matters most in comparison to opaque annuity products, where neither advisors nor clients can fully see the assumptions behind promised payouts.
With reddi, every element of income-driven portfolio construction, from duration and cash matching to surplus optimization, is visible and explainable. Advisors retain full control and can articulate not just what a portfolio is doing, but why.
Amplifying Advisors, Not Replacing Them
Unlike platforms that automate decision-making and risk sidelining the advisor, reddi is designed to amplify professional judgment. It does the heavy lifting while leaving the strategic guidance and client relationship firmly in the advisor’s hands.
The result is a partnership that equips advisors to deliver predictable income in a way that is simple, explainable, and client-first. reddi helps advisors shine through an intuitive interface that simplifies deep analytics.
The Future of Advisor Technology Is Simple
The wealth management industry doesn’t need another complex platform that locks advisors into rigid systems. It needs tools that are intuitive, flexible, and designed to enhance, not replace, the advisor’s role.
reddi embodies this new blueprint with its long-overdue innovative approach to income generation. Immediately valuable and infinitely scalable, it provides advisors with the ability to create predictable income-driven portfolios in a way they’ve never had before.
For advisors who want a better choice between guaranteed income annuities from life insurers and variable income from multi-asset portfolios, the choice is simple: predictable income-driven portfolios powered by reddi.