It started with a challenge to prove or disprove whether or not annuities, coupled with your investments, positively impact retirement plans. We took that challenge and found, sure enough, annuities did address both longevity risk and sequence of return risk – two of the most significant factors that impact retirement planning. We knew then we had to share our findings with advisors. Because of this, JourneyGuide has gone from a challenge, to an Excel spreadsheet, to a retirement planning software that is genuinely changing the way people think about and plan for retirement.