About Us

The 401(k) Annuity Hub is the industry’s first stop to learn about lifetime income solutions available in today’s plans. We recognize the need for a simple, transparent, and repeatable process that supports plan fiduciaries. The landscape may look confusing, but it doesn’t need to be if you start with a process and end with product selection.

We understand annuities and how they fit into plans so you can put the right offerings in the hands of participants.

Why the 401(k) Annuity Hub

The growing interest in adding lifetime income solutions to 401(k) plans is exciting but adds a new dimension for plan sponsors, other plan fiduciaries, and anyone else interested in these products. Though annuities have long been a part of non-profit plans, the solutions available today meet the changing needs of plan sponsors and participants.

A survey of the complete landscape is the first step to develop an understanding of this space. The 401(k) Annuity Hub is designed to provide plan fiduciaries with the education needed to familiarize themselves with the options and get started implementing lifetime income.

• Explore: current 401(k) lifetime income products

• Select: through a simple process to filter and compare

• Learn: education on annuities and how today’s solutions fit within a plan

Our Philosophy

The 401(k) Annuity Hub focuses on the products that are available for 401(k) plans, many of which are also available in other markets. We maintain a complete database and work directly with providers to make sure their information is accurate and verified. We rely on publicly available information when we don’t have a formal agreement. Although the number of options is growing, their availability is still limited and any given recordkeeper may offer only a limited number of options.

However, this does not mean that one (or more) of those options isn’t suitable for a plan. Clear, accurate information is essential to allow plan fiduciaries to make sense of these decisions and move forward with a consistent, repeatable process.

Founder

Tamiko Toland started the 401(k) Annuity Hub because she recognized the need for a central source of information about the lifetime income solutions in the marketplace. An annuity product expert known colloquially as the “annuity Yoda,” she instead designed a top-down approach to address the needs of plan fiduciaries.

In 2012, Tamiko wrote a report for Strategic Insight (now part of ISS Governance), “In-Plan Guarantees,” that explored the market and solutions available at the time. Although most of her professional focus has been on individual annuities available for retail investors, she refocused on this space during her time at Cannex Financial Exchanges (an annuity data and analytics firm) and then at TIAA.

Tamiko is a recognized educator and serves as an Education Fellow for the Alliance for Lifetime Income’s Retirement Income Institute. In 2021, the National Association for Fixed Annuities awarded her the Educate Pillar award for outstanding contributions in annuity retirement education. She was named a 2024 BenefitsPro Luminary for Education & Communication.

In addition to running the 401(k) Annuity Hub, Tamiko is co-founder and CEO of IncomePath. IncomePath provides retirement income software for financial professionals to help clients understand the tradeoffs of key decisions they make on retirement income: how much lifetime income they want and how much equity risk to take.

For more than two decades, Tamiko has tracked trends and key issues on retirement income, addressing a variety of audiences through writing and presentations. She most recently held leadership roles at TIAA and Cannex Financial Exchanges. She regularly shares her perspectives with the media and frequently speaks at industry conferences.