Retirement income solutions for longer lives.
We build tools that help savers, advisors, and institutions turn retirement savings into income designed to last.
CLIP
CLIP is a modern redesign of longevity pooling, built for today's savers, advisors, and plan sponsors. Through a community-based system patented in five countries, CLIP enables savers to extend their retirement income.
We want to make a long life feel like a gift, not a financial burden.
Retirement onward
Account inflows continue even after your own contributions stop at retirement. Credits from the community pool are added to your account long after you have stopped saving, for the rest of your life.
Pay-after-you-go
No premium to pay upfront. Instead, link a retirement account to CLIP, and when you pass, a portion of what remains in that account goes to the pool and everything else goes to your beneficiaries.
Configurable
You design your own retirement plan. You can set your own preferences and tune CLIP to fit your own goals, balancing retirement income, access to liquidity, and the legacy you want to leave behind.
A patented foundation, protected worldwide.
Our core invention is patented in five countries. It’s the engine behind the Community Long-term Income Plan (CLIP).
Patent portfolio
- Countries protected
- 5
- Patents issued
- 6
- Success rate in jurisdictions where applied
- 100%
Patent jurisdictions
- United States
- Canada
- India
- Singapore
- Japan
More products are on the way.
At VivaLogic, we design tools to make retirement income work better: for savers, advisors, plan sponsors, and institutional partners.
For advisors
A planning cockpit that helps advisors model, propose, and manage CLIP-backed lifetime income for clients.
For plan sponsors
A lower-cost in-plan lifetime income option, made possible by integrating CLIP into existing 401(k) platforms.
For institutions
Analytics tools that help institutional partners evaluate longevity exposure and retirement income design.