Company Overview: The YWCA Retirement Fund (YWCARF) is a non-profit organization providing retirement benefits to employees of participating YWCA associations in the U.S. It offers a defined benefit plan, allowing employees to supplement their savings through optional after-tax contributions and a 403(b) plan. Services include retirement account management, annuity options, and beneficiary designation. The target audience is past and current YWCA employees. Unique Selling Proposition (USP): YWCARF is one of the oldest pension plans in the U.S., specifically designed for women, offering a secure retirement solution with guaranteed lifetime annuities.