<p><em>新解决方案为参与者提供更清晰、更具可操作性的收入策略，以便他们接近和进入退休阶段</em></p>
<p>康涅狄格州温莎市和马萨诸塞州沃尔瑟姆市 --（商业资讯）--Voya Financial, Inc.（纽约证券交易所代码：VOYA）今天宣布，与 SAVVI Financial 合作推出一款下一代退休收入指导工具，旨在为计划参与者提供个性化、可操作的指导，帮助他们接近和进入退休阶段。新体验将在未来几周内向符合条件的 Voya 参与者推出，且无需额外费用。</p>
<p>该退休收入指导工具结合了 Voya 数十年的工作场所储蓄经验与 SAVVI 的先进优化引擎，提供个性化、可操作的见解。虽然一些退休工具可能基于有限的输入提供广泛的估算，但这一新解决方案结合了多种现实世界的财务因素，包括税收、健康保险、社会保障、养老金和提款时机，以提供参与者在退休期间可以预期的详细视图，以及他们可以采取的改善结果的步骤。</p>
<p>“我们正在推进 Voya 的承诺，以满足个人在退休旅程中的不同需求，帮助他们增强财务信心，” Voya Financial 退休产品高级副总裁 Laurie Lombardo 表示。“我们的解决方案提供个性化、可操作的指导，旨在帮助我们的参与者做出明智的决策，以支持他们的财务健康，不仅在准备退休时，而是在每个阶段。”</p>
<p>新的指导体验旨在通过帮助参与者提供以下内容来改变现状：</p>
<ul>
<li><strong>退休收入估算：</strong> 基于账户类型、储蓄和市场假设可视化预期收益。</li>
<li><strong>个性化计算：</strong> 向参与者展示他们在退休时的估计 “收入”，以及如何随时间调整。</li>
<li><strong>提款优化：</strong> 提供量身定制的提款策略，指导每年从最具税收效率的来源提款，以优化收入，包括社会保障和养老金选择的时机。</li>
<li><strong>多因素分析：</strong> 纳入复杂的现实输入，如多种收入来源和不同的退休年龄。</li>
<li><strong>“下一个最佳” 行动指导：</strong> 接收量身定制的指导，以帮助改善退休准备。</li>
</ul>
<p>“退休平台可能让人们在将储蓄转化为收入时感到困惑，” SAVVI Financial 合作与关系管理负责人 Chris Moran 表示。“这个参与者工具通过帮助人们看到他们的财务未来可能是什么样子，并提供清晰、个性化的步骤来帮助他们实现这一目标，改变了这一现状。它消除了生活中最大转变之一的猜测。”</p>
<p>对于许多退休人员和即将退休的人来说，这种深度的建议历史上仅通过专业的财务规划服务提供。退休收入指导工具旨在使这种洞察的获取民主化，帮助更多参与者做出自信、明智的决策。</p>
<p><em>Voya Financial 及其附属公司（统称 “Voya”）提供由 SAVVI Financial LLC（“SAVVI”）提供的退休收入工具。Voya 对 SAVVI 拥有财务所有权利益，包括在 SAVVI 董事会中的代表，并与 SAVVI 保持商业关系，这为 Voya 推广 SAVVI 的产品和服务以及 SAVVI 推广 Voya 的产品和服务创造了激励。请访问并阅读 SAVVI 的公司手册，链接为：https://www.savvifi.com/legal/form-adv。该手册包含有关 SAVVI 业务的一般信息，包括利益冲突。</em></p>
<p><strong>重要提示：退休收入工具对各种投资结果的可能性进行的预测或其他输出是假设性的。它们不反映实际投资结果，也不保证未来结果。</strong></p>
<p>Voya Financial 及其附属公司（统称 “Voya”）向您提供由 SAVVI Financial LLC（“SAVVI”）提供的个性化注册指导工具。Voya 对 SAVVI 拥有财务所有权利益，包括在 SAVVI 董事会中的代表，并与 SAVVI 保持商业关系，这为 Voya 推广 SAVVI 的产品和服务以及 SAVVI 推广 Voya 的产品和服务创造了激励。请访问并阅读 SAVVI 的公司手册，链接为：https://www.savvifi.com/legal/form-adv。该手册包含有关 SAVVI 业务的一般信息，包括利益冲突。</p>
<p>通过 Voya®系列公司提供的产品和服务。</p>
<p><strong>关于 Voya Financial®</strong></p>
<p>Voya Financial, Inc.（纽约证券交易所代码：VOYA）是一家领先的退休、员工福利和投资管理公司。Voya 的服务和解决方案帮助大约 1570 万个人、工作场所和机构客户清晰地走向财务信心和更充实的生活。Voya 被 Great Place to Work® Institute 认证为 “优秀工作场所”，并培养重视客户中心、诚信、问责、敏捷和包容的文化。Voya 员工与客户和合作伙伴共同努力，争取每个人拥有更好财务未来的机会。有关更多信息，请访问 voya.com，并在 LinkedIn、Facebook 和 Instagram 上关注 Voya Financial。</p>
<p><strong>关于 SAVVI</strong></p>
<p>SAVVI Financial 正在重新定义员工如何应对他们最重要的财务选择。通过提供专家级的个性化指导，SAVVI 帮助员工优化他们的整个财务旅程，从早期的福利决策到在退休时创造可靠的收入，推动员工和雇主的更好结果。我们的解决方案与人力资源系统集成，减少管理工作，降低成本，提高员工体验。</p>
<p>SAVVI 由量化金融和数据科学领域的专家创立，建立在这样的理解之上：通往财务实力的道路始于工作场所，并在此基础上不断发展。了解更多信息，请访问 www.savvifi.com、LinkedIn、Facebook 和 X。</p>
<p>SAVVI 提供无调查的个性化财务指导和医疗导航工具，简化员工的福利决策。通过消除摩擦并提供实时的数据驱动推荐，SAVVI 帮助组织提高员工的财务韧性，同时推动有意义的商业成果。</p>
<p>VOYA-RET</p>
<p><img src="https://imageproxy.pbkrs.com/https://cts.businesswire.com/ct/CT/query-ZGlzdHJvPW54JmlkPWJ3bmV3cyZsYW5nPWVuJnNpZD1hY3FyOCZzdHk9MjAyNTEyMTAzNzIzMzFyMQ?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://cts.businesswire.com/ct/CT/query-ZGlzdHJvPW54JmlkPWJ3bmV3cyZsYW5nPWVuJnNpZD1hY3FyOCZzdHk9MjAyNTEyMTAzNzIzMzFyMQ"/></p>
<p>在 businesswire.com 上查看源版本：https://www.businesswire.com/news/home/20251210372331/en/</p>
<p><strong>媒体联系人：</strong></p>
<p>Kris Kagel</p>
<p>Voya Financial</p>
<p>(201) 221-6534</p>
<p>Kristopher.Kagel@voya.com</p>
<p>来源：Voya Financial, Inc.</p>

VOYA

<p>Voya Financial 和 SAVVI Financial 推出了一个新的退休收入指导工具，为即将退休的参与者提供个性化、可操作的策略。该工具将 Voya 的职场储蓄经验与 SAVVI 的优化引擎相结合，考虑税收、健康保险和社会保障等因素。其目标是使详细的财务规划变得普及，帮助用户做出明智的退休收入决策</p>

<p><em>New solution provides participants with clearer, more actionable income strategies as they approach and enter retirement</em></p>
<div class="lb-trans"><p><em>新解决方案为参与者提供更清晰、更具可操作性的收入策略，以便他们接近和进入退休阶段</em></p>
</div><p>WINDSOR, Conn. &amp; WALTHAM, Mass.--(BUSINESS WIRE)--Voya Financial, Inc. (NYSE: VOYA) announced today, in collaboration with SAVVI Financial, the launch of a next-generation retirement income guidance tool designed to provide plan participants with personalized, actionable guidance as they approach and enter retirement. The new experience will roll out to eligible Voya participants over the coming weeks at no additional cost.</p>
<div class="lb-trans"><p>康涅狄格州温莎市和马萨诸塞州沃尔瑟姆市 --（商业资讯）--Voya Financial, Inc.（纽约证券交易所代码：VOYA）今天宣布，与 SAVVI Financial 合作推出一款下一代退休收入指导工具，旨在为计划参与者提供个性化、可操作的指导，帮助他们接近和进入退休阶段。新体验将在未来几周内向符合条件的 Voya 参与者推出，且无需额外费用。</p>
</div><p>The retirement income guidance tool combines Voya’s decades of workplace savings experience with SAVVI’s advanced optimization engine to deliver personalized, actionable insights. While some retirement tools may offer broad estimates based on limited inputs, this new solution incorporates a wide range of real-world financial factors–including taxes, health insurance, Social Security, pensions, and withdrawal timing–to provide a detailed view of what participants can expect in retirement and the steps they can take to improve outcomes.</p>
<div class="lb-trans"><p>该退休收入指导工具结合了 Voya 数十年的工作场所储蓄经验与 SAVVI 的先进优化引擎，提供个性化、可操作的见解。虽然一些退休工具可能基于有限的输入提供广泛的估算，但这一新解决方案结合了多种现实世界的财务因素，包括税收、健康保险、社会保障、养老金和提款时机，以提供参与者在退休期间可以预期的详细视图，以及他们可以采取的改善结果的步骤。</p>
</div><p>“We’re advancing Voya’s commitment to meet individuals wherever they are on their retirement journey to help them increase their financial confidence,” said Laurie Lombardo, senior vice president and head of Retirement Product at Voya Financial. “Our solution delivers personalized, actionable guidance—intended to help our participants make informed decisions that support their financial well-being, not only as they prepare for retirement, but throughout every stage of it.”</p>
<div class="lb-trans"><p>“我们正在推进 Voya 的承诺，以满足个人在退休旅程中的不同需求，帮助他们增强财务信心，” Voya Financial 退休产品高级副总裁 Laurie Lombardo 表示。“我们的解决方案提供个性化、可操作的指导，旨在帮助我们的参与者做出明智的决策，以支持他们的财务健康，不仅在准备退休时，而是在每个阶段。”</p>
</div><p>The new guidance experience is designed to change that by helping participants provide:</p>
<div class="lb-trans"><p>新的指导体验旨在通过帮助参与者提供以下内容来改变现状：</p>
</div><ul>
<li><strong>Retirement Income Estimates:</strong> Visualized expected earnings based on account types, savings, and market assumptions.</li>
<li><strong>Personalized Calculation:</strong> Shows participants their estimated “pay” in retirement and how it adjusts over time.</li>
<li><strong>Withdrawal Optimization:</strong> Tailored withdrawal strategies with guidance on the most tax-efficient sources to withdraw from each year to optimize income, including the timing of Social Security and pension elections.</li>
<li><strong>Multi-Factor Analysis:</strong> Incorporates complex, real-world inputs such as multiple income streams and varying retirement ages.</li>
<li><strong>“Next Best” Action Guidance:</strong> Receive tailored guidance to help improve retirement readiness.</li>
</ul>
<div class="lb-trans"><ul>
<li><strong>退休收入估算：</strong> 基于账户类型、储蓄和市场假设可视化预期收益。</li>
<li><strong>个性化计算：</strong> 向参与者展示他们在退休时的估计 “收入”，以及如何随时间调整。</li>
<li><strong>提款优化：</strong> 提供量身定制的提款策略，指导每年从最具税收效率的来源提款，以优化收入，包括社会保障和养老金选择的时机。</li>
<li><strong>多因素分析：</strong> 纳入复杂的现实输入，如多种收入来源和不同的退休年龄。</li>
<li><strong>“下一个最佳” 行动指导：</strong> 接收量身定制的指导，以帮助改善退休准备。</li>
</ul>
</div><p>“Retirement platforms may leave people wondering what to do when it’s time to turn savings into income,” said Chris Moran, head of Partnerships and Relationship Management at SAVVI Financial. “This participant tool changes that by meeting people where they are–helping them see what their financial future could look like, and giving them clear, personalized steps to help them get there. It takes the guesswork out of one of life’s biggest transitions.”</p>
<div class="lb-trans"><p>“退休平台可能让人们在将储蓄转化为收入时感到困惑，” SAVVI Financial 合作与关系管理负责人 Chris Moran 表示。“这个参与者工具通过帮助人们看到他们的财务未来可能是什么样子，并提供清晰、个性化的步骤来帮助他们实现这一目标，改变了这一现状。它消除了生活中最大转变之一的猜测。”</p>
</div><p>For many retirees and near-retirees, advice of this depth was historically available only through specialized financial planning services. The retirement income guidance tool aims to democratize access to this level of insight, helping more participants make confident, informed decisions.</p>
<div class="lb-trans"><p>对于许多退休人员和即将退休的人来说，这种深度的建议历史上仅通过专业的财务规划服务提供。退休收入指导工具旨在使这种洞察的获取民主化，帮助更多参与者做出自信、明智的决策。</p>
</div><p><em>Voya Financial and its affiliated companies (collectively, “Voya”) is making available the Retirement Income Tool offered by SAVVI Financial LLC. (“SAVVI”). Voya has a financial ownership interest in SAVVI, including representation on SAVVI’s board of directors, and also maintains business relationships with SAVVI that create an incentive for Voya to promote SAVVI’s products and services and for SAVVI to promote Voya’s products and services. Please access and read SAVVI’s Firm Brochure which is available at this link: https://www.savvifi.com/legal/form-adv. It contains general information about SAVVI’s business, including conflicts of interest.</em></p>
<div class="lb-trans"><p><em>Voya Financial 及其附属公司（统称 “Voya”）提供由 SAVVI Financial LLC（“SAVVI”）提供的退休收入工具。Voya 对 SAVVI 拥有财务所有权利益，包括在 SAVVI 董事会中的代表，并与 SAVVI 保持商业关系，这为 Voya 推广 SAVVI 的产品和服务以及 SAVVI 推广 Voya 的产品和服务创造了激励。请访问并阅读 SAVVI 的公司手册，链接为：https://www.savvifi.com/legal/form-adv。该手册包含有关 SAVVI 业务的一般信息，包括利益冲突。</em></p>
</div><p><strong>IMPORTANT: The projections or other outputs of the Retirement Income Tool regarding the likelihood of various investment outcomes are hypothetical in nature. They do not reflect actual investment results and are not guarantees of future results.</strong></p>
<div class="lb-trans"><p><strong>重要提示：退休收入工具对各种投资结果的可能性进行的预测或其他输出是假设性的。它们不反映实际投资结果，也不保证未来结果。</strong></p>
</div><p>Voya Financial and its affiliated companies (collectively, &#34;Voya&#34;) are making available to you the Personalized Enrollment Guidance tool offered by SAVVI Financial LLC. (&#34;SAVVI&#34;). Voya has a financial ownership interest in SAVVI, including representation on SAVVI’s board of directors, and also maintains business relationships with SAVVI that create an incentive for Voya to promote SAVVI's products and services and for SAVVI to promote Voya's products and services. Please access and read SAVVI's Firm Brochure which is available at this link: https://www.savvifi.com/legal/form-adv. It contains general information about SAVVI's business, including conflicts of interest.</p>
<div class="lb-trans"><p>Voya Financial 及其附属公司（统称 “Voya”）向您提供由 SAVVI Financial LLC（“SAVVI”）提供的个性化注册指导工具。Voya 对 SAVVI 拥有财务所有权利益，包括在 SAVVI 董事会中的代表，并与 SAVVI 保持商业关系，这为 Voya 推广 SAVVI 的产品和服务以及 SAVVI 推广 Voya 的产品和服务创造了激励。请访问并阅读 SAVVI 的公司手册，链接为：https://www.savvifi.com/legal/form-adv。该手册包含有关 SAVVI 业务的一般信息，包括利益冲突。</p>
</div><p>Products and services offered through the Voya® family of companies.</p>
<div class="lb-trans"><p>通过 Voya®系列公司提供的产品和服务。</p>
</div><p><strong>About Voya Financial®</strong></p>
<div class="lb-trans"><p><strong>关于 Voya Financial®</strong></p>
</div><p>Voya Financial, Inc. (NYSE: VOYA) is a leading retirement, employee benefits and investment management company. Voya’s services and solutions help clear the path to financial confidence and a more fulfilling life for approximately 15.7 million individual, workplace and institutional clients. Certified as a “Great Place to Work” by the Great Place to Work® Institute, Voya fosters a culture that values customer centricity, integrity, accountability, agility and inclusivity. Together with customers and partners, Voya employees fight for everyone's opportunity for a better financial future. For more information visit voya.com and follow Voya Financial on LinkedIn, Facebook and Instagram.</p>
<div class="lb-trans"><p>Voya Financial, Inc.（纽约证券交易所代码：VOYA）是一家领先的退休、员工福利和投资管理公司。Voya 的服务和解决方案帮助大约 1570 万个人、工作场所和机构客户清晰地走向财务信心和更充实的生活。Voya 被 Great Place to Work® Institute 认证为 “优秀工作场所”，并培养重视客户中心、诚信、问责、敏捷和包容的文化。Voya 员工与客户和合作伙伴共同努力，争取每个人拥有更好财务未来的机会。有关更多信息，请访问 voya.com，并在 LinkedIn、Facebook 和 Instagram 上关注 Voya Financial。</p>
</div><p><strong>About SAVVI</strong></p>
<div class="lb-trans"><p><strong>关于 SAVVI</strong></p>
</div><p>SAVVI Financial is redefining how employees navigate their most important financial choices. By delivering expert-level personalized guidance, SAVVI helps employees optimize their full financial journey, from early benefit decisions to creating a reliable paycheck in retirement, driving better outcomes for both employees and employers. Integrated with HR stacks, our solutions reduce admin work, lower costs, and boost employee experience.</p>
<div class="lb-trans"><p>SAVVI Financial 正在重新定义员工如何应对他们最重要的财务选择。通过提供专家级的个性化指导，SAVVI 帮助员工优化他们的整个财务旅程，从早期的福利决策到在退休时创造可靠的收入，推动员工和雇主的更好结果。我们的解决方案与人力资源系统集成，减少管理工作，降低成本，提高员工体验。</p>
</div><p>Founded by experts in quantitative finance and data science, SAVVI was built with the understanding that the path to financial strength starts, and grows, through the workplace. Learn more at www.savvifi.com, LinkedIn, Facebook, and X.</p>
<div class="lb-trans"><p>SAVVI 由量化金融和数据科学领域的专家创立，建立在这样的理解之上：通往财务实力的道路始于工作场所，并在此基础上不断发展。了解更多信息，请访问 www.savvifi.com、LinkedIn、Facebook 和 X。</p>
</div><p>SAVVI provides survey-less, personalized financial guidance and healthcare navigation tools that simplify benefits decisions for employees. By eliminating friction and delivering real-time, data-driven recommendations, SAVVI helps organizations improve employee financial fortitude while driving meaningful business results.</p>
<div class="lb-trans"><p>SAVVI 提供无调查的个性化财务指导和医疗导航工具，简化员工的福利决策。通过消除摩擦并提供实时的数据驱动推荐，SAVVI 帮助组织提高员工的财务韧性，同时推动有意义的商业成果。</p>
</div><p>VOYA-RET</p>
<div class="lb-trans"><p>VOYA-RET</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://cts.businesswire.com/ct/CT/query-ZGlzdHJvPW54JmlkPWJ3bmV3cyZsYW5nPWVuJnNpZD1hY3FyOCZzdHk9MjAyNTEyMTAzNzIzMzFyMQ" alt="" original-src="https://cts.businesswire.com/ct/CT?id=bwnews&amp;sty=20251210372331r1&amp;sid=acqr8&amp;distro=nx&amp;lang=en"/></p>
<p>View source version on businesswire.com: https://www.businesswire.com/news/home/20251210372331/en/</p>
<div class="lb-trans"><p>在 businesswire.com 上查看源版本：https://www.businesswire.com/news/home/20251210372331/en/</p>
</div><p><strong>Media Contact:</strong></p>
<div class="lb-trans"><p><strong>媒体联系人：</strong></p>
</div><p>Kris Kagel</p>
<div class="lb-trans"><p>Kris Kagel</p>
</div><p>Voya Financial</p>
<div class="lb-trans"><p>Voya Financial</p>
</div><p>(201) 221-6534</p>
<div class="lb-trans"><p>(201) 221-6534</p>
</div><p>Kristopher.Kagel@voya.com</p>
<div class="lb-trans"><p>Kristopher.Kagel@voya.com</p>
</div><p>Source: Voya Financial, Inc.</p>
<div class="lb-trans"><p>来源：Voya Financial, Inc.</p>
</div>

Voya 和 SAVVI Financial 推出新的个性化退休收入指导工具 | Voya 股票新闻