It was only four short years ago that the banter in our participant education sessions revealed that most employees were in the same mode as the capital markets. In a word, they were dismal.  Sounding already defeated, it was common to hear things like “I’m never going to be able to retire now,” and “why bother planning…nothing seems to work anymore”.

As the markets have climbed all the way back, so have many people’s financial outlooks, notwithstanding some recent jitters triggered by the banking crisis in Cyprus. For those who have invested throughout the turmoil, their steely patience has been rewarded. Now, they are asking about how to increase their contributions to the plan, conducting retirement readiness self-analyses and starting to look forward to a future that will include retirement.

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