Work with us

LS works with plan sponsors, consultants, recordkeepers, and benefits committees to bring structured lifetime income education to participant populations. The form of each engagement is shaped around the specific needs of the sponsor and the participant base.
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What's consistent across every engagement is the analytical foundation — the cost-of-income comparison, realized value as the summary metric, the four structural properties that characterize any lifetime income arrangement, and the frictionless baseline as the independent reference point.

The scenario library is the foundation of everything LS does — the demonstration of the analytical method and the source material that custom engagements draw on. Each entry pairs an interactive tool with a companion essay. The library is free and open.

Custom engagements are configured against what the sponsor actually needs. There's no productized service tier and no standard package. A few examples:

Participant education — structured lifetime income content calibrated to a specific plan's demographics and options. This might be custom-configured scenario library tools with the plan's actual parameters, accessible explanations of the options the plan offers, or educational materials designed for specific moments in the participant lifecycle.

Committee-facing analytical work — pool design analyses for specific cohorts, cost-of-income evaluations of proposed lifetime income options, or structured walkthroughs of how the LS framework applies to the plan's specific situation.

Integrated engagements — combinations of the above, where committee-level analytical work feeds directly into participant-facing educational content, both grounded in the same underlying analysis.

The most developed engagement type today is the pool design analysis — a custom analytical report for a specific plan cohort, built on the sponsor's actual age and balance distributions. The report runs a Monte Carlo mortality simulation across the cohort, produces member-level distributional outcomes with percentile bands, evaluates redistribution rule options, and presents the cost-of-income comparison across solo, pooled, and commercial product baselines. Pool size credibility, rate sensitivity, and a four-property characterization of the proposed arrangement are included.

LS does not provide investment advice, recommend specific products, or maintain distribution relationships with insurers or asset managers. The work is analytical and educational — usable in institutional contexts where advice has legal and fiduciary implications, and appropriate for distribution to plan participants.

For people who want to follow the work as it develops — new scenario library entries, framework updates, occasional analysis on the rate environment or structural questions in the lifetime income market — there is an updates list. Optional, infrequent, no commercial pitch.