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    Do your DC plan’s target-date funds need another look?

    Target-date funds, or TDFs, can have a powerful influence on plan participants’ retirement savings by simplifying investment decision-making. And when TDFs are carefully selected to match with plan participant characteristics and behaviors, they have the potential to help more participants achieve greater retirement security. 

    That’s why TDFs are a popular choice for a qualified default investment alternative (QDIA) for 401(k) and other defined contribution plans.

    November 30, 2022 | 4 min read


    The keys to explaining the value of managed accounts

    In general, customization is important, and the reason is quite simple: Not everyone is living the same life. All kinds of products can benefit from customization, and that includes retirement plans and other financial products and services. Managed accounts represent an ideal way for retirement plan participants to access more personalized service, with customization as a major focal point. 

    As the American middle class in particular continues to lose confidence in their ability to enjoy a fulfilling retirement, they may be eager for new opportunities to set themselves up for financial success. Managed accounts could provide plan sponsors with an appealing option.

    November 23, 2022 | 3 min read


    Why Gen Z attitudes toward retirement might surprise you

    For the most part, Gen Z — born in the late 1990s or later — never knew a world without the internet. Neither are they old enough to remember the attacks on 9/11. These young digital natives watched as their parents navigated the Great Recession, as their nation elected the first Black president, and as the globe embraced social media.

    Now, many Gen Zers are in their mid 20s and among the youngest in today’s workforce. Retirement is a long way off, but that doesn’t mean they’re pushing off planning for it.

    November 16, 2022 | 3 min read

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    Mind over matter: How the right mindset can help fuel growth

    It’s been said that if you believe in yourself, anything is possible. Such statements have drawn ridicule from some who suggest that belief will get you nowhere without action. To achieve business growth in the financial services sector, professionals generally feel the need to form their beliefs on data, research, product knowledge and other information to develop successful strategies.

    November 09, 2022 | 3 min read


    Should a company offer a Pooled Employer Plan (PEP)?

    Small business leaders and employers sometimes have a harder time recruiting workers due to their inability to offer the robust retirement plan benefits that larger enterprises can. That may no longer be the case since the introduction of rules surrounding Pooled Employer Plans, also known as PEPs.

    November 02, 2022 | 3 min read


    Dispel Millennial myths to better serve younger plan participants

    Perhaps no generation has felt the brunt of stereotypes heaped upon them more than Millennials: they’re disengaged, overly sensitive to feedback, unmotivated and…you get the idea. According to recent data, however, these assumptions don’t reflect reality.

    Myths abound about Millennial savings habits and attitudes toward retirement, too. For plan sponsors and financial professionals, it’s important to dispel these myths to better serve Millennial needs.

    October 26, 2022 | 3 min read


    Help employees navigate their transition into retirement

    There are some who depict retirement as a panacea to the stresses and challenges of everyday life — a carefree time free of the mundane routines of working and yet packed with opportunities to finally pursue travel or other pastimes.

    The reality for many, however, comes with mixed emotions and lots of questions… Will I be lonely? Will I develop health problems? Will I have enough money to last a lifetime?

    October 19, 2022 | 3 min read


    Women’s planning & investment needs change over time. Here’s how to help meet their goals

    We previously covered a few of the ways women often approach investing differently from their male counterparts. Now, we’re not making claims about “the female investor,” or suggesting innate differences between men and women that cause these divergences —rather, many women’s life circumstances may engender greater risk aversion.

    Lower overall earnings, more time spent out of the workforce to care for family members and longer life expectancies may all add up to amplify the sense of risk to women’s retirement savings. That can lead to much more conservative investing and, potentially, missed opportunities.

    October 12, 2022 | 4 min read


    Raise awareness during October’s National Retirement Security Month

    Financial wellness in retirement isn’t a sure thing, but employers and financial planners are making strides in helping to provide a more secure future through access to retirement plans. Congress backs up these initiatives and supports the goals of National Retirement Security Month held each October.1 

    The goals are simple. National Retirement Security Month aims to raise awareness of various retirement vehicles, many of which come with numerous tax benefits. Increasing financial literacy and informing individuals on how they may achieve and maintain retirement security throughout their lives is another purpose of the month-long observance.1

    October 05, 2022 | 3 min read


    Helping investors see the value of a financial professional

    Where do people turn for trusted financial advice? How are they feeling about their retirement prospects? Research seems to indicate that a lot of people aren’t seeking financial guidance or feeling very confident about a comfortable retirement.

    According to the Northwestern Mutual 2022 Planning & Progress Study, 62% of U.S. adults say their financial planning needs improvement, but just 35% work with a financial professional.1 That same survey found that 58% of adults who don’t work with a financial professional are somewhat or very anxious about their finances.1

    September 28, 2022 | 3 min read