<p><em>新解決方案為參與者提供更清晰、更具可操作性的收入策略，以便他們接近和進入退休階段</em></p>
<p>康涅狄格州温莎市和馬薩諸塞州沃爾瑟姆市 --（商業資訊）--Voya Financial, Inc.（紐約證券交易所代碼：VOYA）今天宣佈，與 SAVVI Financial 合作推出一款下一代退休收入指導工具，旨在為計劃參與者提供個性化、可操作的指導，幫助他們接近和進入退休階段。新體驗將在未來幾周內向符合條件的 Voya 參與者推出，且無需額外費用。</p>
<p>該退休收入指導工具結合了 Voya 數十年的工作場所儲蓄經驗與 SAVVI 的先進優化引擎，提供個性化、可操作的見解。雖然一些退休工具可能基於有限的輸入提供廣泛的估算，但這一新解決方案結合了多種現實世界的財務因素，包括税收、健康保險、社會保障、養老金和提款時機，以提供參與者在退休期間可以預期的詳細視圖，以及他們可以採取的改善結果的步驟。</p>
<p>“我們正在推進 Voya 的承諾，以滿足個人在退休旅程中的不同需求，幫助他們增強財務信心，” Voya Financial 退休產品高級副總裁 Laurie Lombardo 表示。“我們的解決方案提供個性化、可操作的指導，旨在幫助我們的參與者做出明智的決策，以支持他們的財務健康，不僅在準備退休時，而是在每個階段。”</p>
<p>新的指導體驗旨在通過幫助參與者提供以下內容來改變現狀：</p>
<ul>
<li><strong>退休收入估算：</strong> 基於賬户類型、儲蓄和市場假設可視化預期收益。</li>
<li><strong>個性化計算：</strong> 向參與者展示他們在退休時的估計 “收入”，以及如何隨時間調整。</li>
<li><strong>提款優化：</strong> 提供量身定製的提款策略，指導每年從最具税收效率的來源提款，以優化收入，包括社會保障和養老金選擇的時機。</li>
<li><strong>多因素分析：</strong> 納入複雜的現實輸入，如多種收入來源和不同的退休年齡。</li>
<li><strong>“下一個最佳” 行動指導：</strong> 接收量身定製的指導，以幫助改善退休準備。</li>
</ul>
<p>“退休平台可能讓人們在將儲蓄轉化為收入時感到困惑，” SAVVI Financial 合作與關係管理負責人 Chris Moran 表示。“這個參與者工具通過幫助人們看到他們的財務未來可能是什麼樣子，並提供清晰、個性化的步驟來幫助他們實現這一目標，改變了這一現狀。它消除了生活中最大轉變之一的猜測。”</p>
<p>對於許多退休人員和即將退休的人來説，這種深度的建議歷史上僅通過專業的財務規劃服務提供。退休收入指導工具旨在使這種洞察的獲取民主化，幫助更多參與者做出自信、明智的決策。</p>
<p><em>Voya Financial 及其附屬公司（統稱 “Voya”）提供由 SAVVI Financial LLC（“SAVVI”）提供的退休收入工具。Voya 對 SAVVI 擁有財務所有權利益，包括在 SAVVI 董事會中的代表，並與 SAVVI 保持商業關係，這為 Voya 推廣 SAVVI 的產品和服務以及 SAVVI 推廣 Voya 的產品和服務創造了激勵。請訪問並閲讀 SAVVI 的公司手冊，鏈接為：https://www.savvifi.com/legal/form-adv。該手冊包含有關 SAVVI 業務的一般信息，包括利益衝突。</em></p>
<p><strong>重要提示：退休收入工具對各種投資結果的可能性進行的預測或其他輸出是假設性的。它們不反映實際投資結果，也不保證未來結果。</strong></p>
<p>Voya Financial 及其附屬公司（統稱 “Voya”）向您提供由 SAVVI Financial LLC（“SAVVI”）提供的個性化註冊指導工具。Voya 對 SAVVI 擁有財務所有權利益，包括在 SAVVI 董事會中的代表，並與 SAVVI 保持商業關係，這為 Voya 推廣 SAVVI 的產品和服務以及 SAVVI 推廣 Voya 的產品和服務創造了激勵。請訪問並閲讀 SAVVI 的公司手冊，鏈接為：https://www.savvifi.com/legal/form-adv。該手冊包含有關 SAVVI 業務的一般信息，包括利益衝突。</p>
<p>通過 Voya®系列公司提供的產品和服務。</p>
<p><strong>關於 Voya Financial®</strong></p>
<p>Voya Financial, Inc.（紐約證券交易所代碼：VOYA）是一家領先的退休、員工福利和投資管理公司。Voya 的服務和解決方案幫助大約 1570 萬個人、工作場所和機構客户清晰地走向財務信心和更充實的生活。Voya 被 Great Place to Work® Institute 認證為 “優秀工作場所”，並培養重視客户中心、誠信、問責、敏捷和包容的文化。Voya 員工與客户和合作夥伴共同努力，爭取每個人擁有更好財務未來的機會。有關更多信息，請訪問 voya.com，並在 LinkedIn、Facebook 和 Instagram 上關注 Voya Financial。</p>
<p><strong>關於 SAVVI</strong></p>
<p>SAVVI Financial 正在重新定義員工如何應對他們最重要的財務選擇。通過提供專家級的個性化指導，SAVVI 幫助員工優化他們的整個財務旅程，從早期的福利決策到在退休時創造可靠的收入，推動員工和僱主的更好結果。我們的解決方案與人力資源系統集成，減少管理工作，降低成本，提高員工體驗。</p>
<p>SAVVI 由量化金融和數據科學領域的專家創立，建立在這樣的理解之上：通往財務實力的道路始於工作場所，並在此基礎上不斷發展。瞭解更多信息，請訪問 www.savvifi.com、LinkedIn、Facebook 和 X。</p>
<p>SAVVI 提供無調查的個性化財務指導和醫療導航工具，簡化員工的福利決策。通過消除摩擦並提供實時的數據驅動推薦，SAVVI 幫助組織提高員工的財務韌性，同時推動有意義的商業成果。</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>媒體聯繫人：</strong></p>
<p>Kris Kagel</p>
<p>Voya Financial</p>
<p>(201) 221-6534</p>
<p>Kristopher.Kagel@voya.com</p>
<p>來源：Voya Financial, Inc.</p>

VOYA

<p>Voya Financial 和 SAVVI Financial 推出了一個新的退休收入指導工具，為即將退休的參與者提供個性化、可操作的策略。該工具將 Voya 的職場儲蓄經驗與 SAVVI 的優化引擎相結合，考慮税收、健康保險和社會保障等因素。其目標是使詳細的財務規劃變得普及，幫助用户做出明智的退休收入決策</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>新解決方案為參與者提供更清晰、更具可操作性的收入策略，以便他們接近和進入退休階段</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馬薩諸塞州沃爾瑟姆市 --（商業資訊）--Voya Financial, Inc.（紐約證券交易所代碼：VOYA）今天宣佈，與 SAVVI Financial 合作推出一款下一代退休收入指導工具，旨在為計劃參與者提供個性化、可操作的指導，幫助他們接近和進入退休階段。新體驗將在未來幾周內向符合條件的 Voya 參與者推出，且無需額外費用。</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>該退休收入指導工具結合了 Voya 數十年的工作場所儲蓄經驗與 SAVVI 的先進優化引擎，提供個性化、可操作的見解。雖然一些退休工具可能基於有限的輸入提供廣泛的估算，但這一新解決方案結合了多種現實世界的財務因素，包括税收、健康保險、社會保障、養老金和提款時機，以提供參與者在退休期間可以預期的詳細視圖，以及他們可以採取的改善結果的步驟。</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>“我們正在推進 Voya 的承諾，以滿足個人在退休旅程中的不同需求，幫助他們增強財務信心，” Voya Financial 退休產品高級副總裁 Laurie Lombardo 表示。“我們的解決方案提供個性化、可操作的指導，旨在幫助我們的參與者做出明智的決策，以支持他們的財務健康，不僅在準備退休時，而是在每個階段。”</p>
</div><p>The new guidance experience is designed to change that by helping participants provide:</p>
<div class="lb-trans"><p>新的指導體驗旨在通過幫助參與者提供以下內容來改變現狀：</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> 基於賬户類型、儲蓄和市場假設可視化預期收益。</li>
<li><strong>個性化計算：</strong> 向參與者展示他們在退休時的估計 “收入”，以及如何隨時間調整。</li>
<li><strong>提款優化：</strong> 提供量身定製的提款策略，指導每年從最具税收效率的來源提款，以優化收入，包括社會保障和養老金選擇的時機。</li>
<li><strong>多因素分析：</strong> 納入複雜的現實輸入，如多種收入來源和不同的退休年齡。</li>
<li><strong>“下一個最佳” 行動指導：</strong> 接收量身定製的指導，以幫助改善退休準備。</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>“退休平台可能讓人們在將儲蓄轉化為收入時感到困惑，” SAVVI Financial 合作與關係管理負責人 Chris Moran 表示。“這個參與者工具通過幫助人們看到他們的財務未來可能是什麼樣子，並提供清晰、個性化的步驟來幫助他們實現這一目標，改變了這一現狀。它消除了生活中最大轉變之一的猜測。”</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>對於許多退休人員和即將退休的人來説，這種深度的建議歷史上僅通過專業的財務規劃服務提供。退休收入指導工具旨在使這種洞察的獲取民主化，幫助更多參與者做出自信、明智的決策。</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 及其附屬公司（統稱 “Voya”）提供由 SAVVI Financial LLC（“SAVVI”）提供的退休收入工具。Voya 對 SAVVI 擁有財務所有權利益，包括在 SAVVI 董事會中的代表，並與 SAVVI 保持商業關係，這為 Voya 推廣 SAVVI 的產品和服務以及 SAVVI 推廣 Voya 的產品和服務創造了激勵。請訪問並閲讀 SAVVI 的公司手冊，鏈接為：https://www.savvifi.com/legal/form-adv。該手冊包含有關 SAVVI 業務的一般信息，包括利益衝突。</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：退休收入工具對各種投資結果的可能性進行的預測或其他輸出是假設性的。它們不反映實際投資結果，也不保證未來結果。</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 及其附屬公司（統稱 “Voya”）向您提供由 SAVVI Financial LLC（“SAVVI”）提供的個性化註冊指導工具。Voya 對 SAVVI 擁有財務所有權利益，包括在 SAVVI 董事會中的代表，並與 SAVVI 保持商業關係，這為 Voya 推廣 SAVVI 的產品和服務以及 SAVVI 推廣 Voya 的產品和服務創造了激勵。請訪問並閲讀 SAVVI 的公司手冊，鏈接為：https://www.savvifi.com/legal/form-adv。該手冊包含有關 SAVVI 業務的一般信息，包括利益衝突。</p>
</div><p>Products and services offered through the Voya® family of companies.</p>
<div class="lb-trans"><p>通過 Voya®系列公司提供的產品和服務。</p>
</div><p><strong>About Voya Financial®</strong></p>
<div class="lb-trans"><p><strong>關於 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.（紐約證券交易所代碼：VOYA）是一家領先的退休、員工福利和投資管理公司。Voya 的服務和解決方案幫助大約 1570 萬個人、工作場所和機構客户清晰地走向財務信心和更充實的生活。Voya 被 Great Place to Work® Institute 認證為 “優秀工作場所”，並培養重視客户中心、誠信、問責、敏捷和包容的文化。Voya 員工與客户和合作夥伴共同努力，爭取每個人擁有更好財務未來的機會。有關更多信息，請訪問 voya.com，並在 LinkedIn、Facebook 和 Instagram 上關注 Voya Financial。</p>
</div><p><strong>About SAVVI</strong></p>
<div class="lb-trans"><p><strong>關於 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 正在重新定義員工如何應對他們最重要的財務選擇。通過提供專家級的個性化指導，SAVVI 幫助員工優化他們的整個財務旅程，從早期的福利決策到在退休時創造可靠的收入，推動員工和僱主的更好結果。我們的解決方案與人力資源系統集成，減少管理工作，降低成本，提高員工體驗。</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 由量化金融和數據科學領域的專家創立，建立在這樣的理解之上：通往財務實力的道路始於工作場所，並在此基礎上不斷發展。瞭解更多信息，請訪問 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 提供無調查的個性化財務指導和醫療導航工具，簡化員工的福利決策。通過消除摩擦並提供實時的數據驅動推薦，SAVVI 幫助組織提高員工的財務韌性，同時推動有意義的商業成果。</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>媒體聯繫人：</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>來源：Voya Financial, Inc.</p>
</div>

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