The YMCA Retirement Fund is a 501(c)(3) non-profit organization providing retirement and other benefits to YMCA employees across the U.S. It offers two main plans: a Retirement Plan and a Savings Plan, both allowing tax-deferred savings through 403(b) accounts. The target audience is YMCA staff. The unique selling proposition is offering lifetime annuity options directly, eliminating fees associated with external purchases, and ensuring account balances never decrease despite market volatility[1]. Services include investment management, retirement goal planning, and annuity options starting at age 55[1].