Underfunded Pensions
Retirement Benefit Solutions has designed an innovative, creative solution to solve the underfunded pension problems by utilizing a unique asset class based upon the analytical recommendations provided by its actuarially certified, patent pending software Epiphany®.
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The Concept
Several years ago a group of professionals, including the founder of RBS, Pat Elshaw, devised a method to use insurance as a new asset class to solve pension underfunding. The next step was to be able to take this concept and turn it into tangible product.
The Solution
To turn the concept into a tangible solution, he partnered with seasoned experts and after extensive analysis and development, Epiphany® began to emerge. Epiphany® went through significant development and growth in order to become a sophisticated, dynamic solution, and we now have a patent pending for the algorithms and techniques we have developed.
The Future
RBS and its principals are energized about the future of the organization and our clients. We continue to be innovative in designing unique, creative solutions to complex problems. We are confident that our long-term view to solving these problems will result in our having a significantly higher success rate with a more realistic approach than other quick-fix or static solutions.


Underfunded Pensions by State Across the United States, underfunded pension plans have reached a critical point.



