Two retirement industry experts recently challenged plan advisers and sponsors to get serious about in-plan retirement income backed by annuities. But instead of detailing the benefits, they flipped the conversation on its head and addressed critiques for these new, and sometimes controversial solutions.

“There are a lot of reasons of why a plan fiduciary might fear [in-plan retirement income options], but there are many other reasons they should consider it,” says Bonnie Treichel, founder and chief solutions officer at Endeavor Retirement, and co-author of “A Call to Action on Retirement Income: It’s Time to Solve the Problem.”

In the paper co-written with Matthew Eickman, national retirement practice leader, Qualified Plan Advisors, the pair note four key ingredients for retirement confidence: 1) greater savings, 2) access to vehicles that will make savings last for a lifetime, 3) guarantees or other protections to ensure the savings last and 4) education on how to manage through retirement.