Vitera

Vitera (formerly ARS) is a retirement technology company that enables guaranteed lifetime income solutions within defined contribution plans. With over 11,000 Americans turning 65 every day and the 65+ population expected to grow 40% by 2050, there is surging demand for products that provide income certainty inretirement. While guaranteed income has long been available through annuities, the defined contribution market - where most Americans now save for retirement - has lacked a simple, efficient mechanism to deliver these solutions at scale. Vitera addresses this gap through its Lifetime Income Builder technology, a multi-carrier platform that seamlessly embeds guaranteed lifetime income directly into target date funds, the default investment vehicle for the majority of 401(k) participants. The platform integrates with existing recordkeeping infrastructure and supports annuity guarantees from multiple insurers, removing the operational and structural hurdles that have historically limited adoption. Vitera's technology currently powers the StateStreet GTC Retirement Income Builder Series and is expanding across additional recordkeeping platforms.