Discover financial solutions that protect your future and provide peace of mind. Whether you're exploring annuities, life insurance, or understanding employee benefits through your workplace, Pacific Life offers resources and products designed to meet your personal and family goals.

Support your workforce with innovative employee benefits and retirement solutions. Pacific Life partners with business owners, benefits administrators, and pension fund managers to create customized programs that attract and retain top talent while securing their financial future.

Simplify complex retirement and pension risk management with our tailored solutions for large organizations. Pacific Life specializes in working with institutions to address their unique challenges, offering expertise in pension de-risking and strategic retirement planning for a more secure future.

Empower your clients with confidence by leveraging Pacific Life’s comprehensive portfolio of financial products. From annuities to life insurance, we provide the tools, resources, and support to help financial advisors and brokers deliver exceptional value and long-term results.

  • Individuals

    Discover financial solutions that protect your future and provide peace of mind. Whether you're exploring annuities, life insurance, or understanding employee benefits through your workplace, Pacific Life offers resources and products designed to meet your personal and family goals.

  • Employers

    Support your workforce with innovative employee benefits and retirement solutions. Pacific Life partners with business owners, benefits administrators, and pension fund managers to create customized programs that attract and retain top talent while securing their financial future.

  • Institutions

    Simplify complex retirement and pension risk management with our tailored solutions for large organizations. Pacific Life specializes in working with institutions to address their unique challenges, offering expertise in pension de-risking and strategic retirement planning for a more secure future.

  • Financial Professionals & Brokers

    Empower your clients with confidence by leveraging Pacific Life’s comprehensive portfolio of financial products. From annuities to life insurance, we provide the tools, resources, and support to help financial advisors and brokers deliver exceptional value and long-term results.

Franklin Templeton Partnership

Franklin Templeton and Pacific Life have partnered to offer a goals-based personalized lifetime income solution for participants.

 

PARTNERING TO DELIVER AN INNOVATIVE SOLUTION— PERSONAL RETIREMENT PATH+

Personal Retirement Path+ unites Franklin Templeton's Goals Optimization Engine (GOE®) and Pacific Life's Income Horizon™ lifetime income solution.

LEARN MORE ABOUT THE PARTNERSHIP

Pacific Life and Franklin Templeton have collaborated to help improve retirement outcomes for participants. With a shared dedication to meeting participants’ needs throughout their retirement journeys, the two firms have developed an innovative solution that can help provide confidence for generations.

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GOE by Franklin Templeton

Personalization is the challenge and the solution

True, goals-based investing framework
Helping advisors stand apart from the competition and exceed client expectations

Personalization leading to better participant outcomes
Personalization once considered impractical can now be offered at scale

Manage and optimize allocations over time
Adjust asset mixes over time based on key variables that seek to maximize the probability of reaching each goal

 

Income Horizon by Pacific Life

Turning a traditional savings plan into a true retirement solution

Participants accumulate lifetime income during their working years 
Functions as a lifetime income asset class within a multi-asset allocation model

Guaranteed income at retirement
Use ongoing payroll contributions to accumulate guaranteed lifetime income that begins at retirement

Flexibility and Liquidity 
Offers liquidity until participant retires and elects income, providing flexibility for the participant to personalize their decision to best meet their goals

PERSONAL RETIREMENT PATH + HOW GOE AND INCOME HORIZON WORK TOGETHER

UNDER AGE 55 AGE 55 AGE 60 AGE 70 RMD AGE
Participant can elect GOE Income Horizon becomes available within GOE and participants may begin contributions Earliest Income can begin Default income election; latest election and contributions can be made Latest income can begin
Accumulation Phase

Full liquidity until Retirement

  • Assets automatically allocated to traditional plan investments and Income Horizon based on the individual’s personal situation using GOE as the advice engine
  • Guaranteed lifetime income benefit locked-in with each contribution
Income Election Phase

Flexibility in Income

  • Flexibility around when to retire, when to begin taking income and annuitization options. Can take income as early as age 60 or defer to RMD age
  • Non-annuity assets continue to be managed by GOE
Payout Phase

Illiquid after Annuitization

  • Non-annuity assets continue to earn returns and are available for periodic withdrawals or Required Minimum Distributions (RMDs)
  • Optional: Ability to leverage personalized spend down advice to further optimize income in retirement
 

This content is for illustrative purposes only and not for distribution to or use with retail investors.

Franklin Templeton Investment Solutions (FTIS) is a global investment management group dedicated to multi-strategy solutions and is comprised of individuals representing various registered investment advisory entity subsidiaries of Franklin Resources, Inc., a global investment organization operating as Franklin Templeton.

Pacific Life’s Income Horizon™ is a group deferred income annuity. Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products can be issued in all states, except New York, by Pacific Life Insurance Company or Pacific Life & Annuity Company. In New York, insurance products are only issued by Pacific Life & Annuity Company. Product availability and features may vary by state. Product and features are subject to regulatory approval. Each insurance company is solely responsible for the financial obligations accruing under the products it issues.

Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products. Pacific Life, its affiliates, its distributors, and respective representatives do not provide any employer-sponsored qualified plan administrative services or impartial advice about investments and do not act in a fiduciary capacity for any plan.

This material is provided for informational purposes only and should not be construed as investment, tax, or legal advice. 

Information is based on current laws, which are subject to change at any time. Clients should consult with their accounting or tax professionals for guidance regarding their specific financial situations.

Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products can be issued in all states, except New York, by Pacific Life Insurance Company or Pacific Life & Annuity Company. In New York, insurance products are only issued by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues.

The home office for Pacific Life & Annuity Company is located in Phoenix, Arizona. The home office for Pacific Life Insurance Company is located in Omaha, Nebraska.

Pacific Life and Franklin Templeton are not affiliated.