Retirement

Employees may express interest in annuities, yet few retirement plan sponsors are rushing to offer them within their 401(k) plans.

Advisers are needed now more than ever to help individuals reach their retirement goals as employees assume the responsibility of managing their financial future.

Significant amounts of participant balances are leaking out of 401(k) plans and not being replenished, with potentially disastrous results.

Some baby boomers are carrying too much risk in their retirement portfolios because of the stock market’s rapid rise over the past five years.

While states are starting to realize they need to step up and help private sector employers better prepare their employees for retirement, Americans continue to fall short in meeting their economic needs in retirement.

Commentary: If you ask people how they would make decisions today while working, most would tell you they can only make an educated guess or seek advice from financial professionals. Imagine how disconcerting this is when they no longer work and earn paychecks.

Employee financial stress can often be overlooked by the C-suite. Yet, some industry experts say it can have a major impact on the company’s productivity and profitability. Financial education should be considered a pivotal component of any employer’s wellness program.

When does it make sense to choose a custom target-date strategy instead of an off-the-shelf menu? It’s a complicated question with no easy answer.

Commentary: Adopting a new approach to participant communications that factors in the unique characteristics of each generation, as well as the specific needs and preferences of each individual, is key to building and sustaining business.

Workplace benefit plans are key part of employees’ future financial success but the majority of employers don’t think their employees value the benefits that are offered.