Prudential Financial Inc, Newark, NJ, is helping its 20,000 US employees manage their retirement plans during these volatile economic times. Combining innovative vehicles to help guarantee retirement income and dynamic communication, the company has been able to successfully manage its $5.3 billion defined contribution plan. As an additional feature and at additional cost, the employee at withdrawal can elect to have his spouse continue to receive guaranteed income should the spouse outlive the employee. The program is still being rolled out to participants. So far, 300 have enrolled.