Retirement

A new Schroders survey reveals how everyday financial pressures are reshaping retirement decisions, from reduced contributions to increased plan loans.

Instead of assuming that longevity is a good-news story, acknowledge that extended longevity without a plan is a financial and emotional time bomb. 

What larger retirement plan sponsors stand to gain and give up in a pooled employer plan created under the SECURE Act of 2019.

At face-value, HSAs are for short-term medical expenses, but advisors suggest paying out of pocket to maximize HSA funds for investing and tax-free growth.

With financial preparedness a continuing challenge, according to a new MetLife survey, employers have the opportunity to better equip their people through emergency savings and financial wellness benefits.

Despite tepid interest, small businesses — and their advisers — stand to benefit from adding pooled employer plans.

Alternative retirement options are growing in popularity as employees reject traditional, more rigid, plans.

Emphasizing the importance of 401(k) savings preservation will help more employees achieve the American Dream and improve their lives before and after retirement.

New SHRM research finds fewer employers offering generous 401(k) matches and flexible work, even as experts warn benefit cuts can hurt hiring and retention.

Without the right infrastructure in place to facilitate millions of Saver's Match contributions, taxpayers won't be able to obtain the benefit they are qualified to receive.

From benefits education gaps to tech skill shortages, Gen Z is forcing employers to rethink how they hire, train and support the next generation of workers.

Benefit reductions meant to cut costs and even free up funds for AI may be undermining retention, as workers scale back savings and question their employers' priorities.

There's value in having money in one place, but some 401(k) rules make rollovers more trouble than they're worth.

Advisors suggest multiple ways that clients can maximize the triple tax advantages of health savings accounts (HSAs) while avoiding penalties.

Expansion of savings vehicles, along with the largest transfer of wealth in U.S. history, bodes well for plan participants as advisers shift to offering ongoing financial guidance.

Americans' financial literacy has slipped to a 10-year low, with new TIAA Institute data showing weaker scores, wider gaps, and rising reliance on AI tools for money decisions.

If wealth management clients have children who are recent college graduates, pointing them in the right direction on their first 401(k)s helps build strong connections with two generations.

Unexpected retirement plan fees are forcing some small and midsized employers to reduce matching, cut benefits, or abandon 401(k) offerings, survey says.

With concerns growing about outliving savings, more companies say retirement plans should deliver predictable income, not just a large balance at the finish line.

The next era of advisory practice will belong to those who combine holistic guidance with integrated insights and actionable strategies.