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    WellnessRetirement readinessMedicare/Social Security

    Retirement tips for the new year and soon-to-be retirees

    The turn of the calendar from one year to the next often brings with it New Year's resolutions. In addition to improved health, making better financial decisions often tops people’s lists.

    February 14, 2024 | 4 min read

    Retirement readinessMedicare/Social Security

    4 key retirement withdrawal tax considerations for plan participants

    The transition from working to retirement impacts just about every facet of a person’s life — yes, even taxes. So, as plan participants prepare to embark on their post-career lives, it’s reasonable to expect them to have new questions about tax implications of retirement account withdrawals.

    After a lifetime spent saving, investing, and diversification, with retirement, the participant’s goal may not have changed, but their strategy will. They most likely still aim to achieve a financially secure retirement; but now, they face the challenge of transforming savings and investments into an income stream.

    February 07, 2024 | 4 min read

    Retirement readinessPlan design

    Five retiree types: how plan design can help influence retirement security

    The transition from working to retirement impacts just about every facet of a person’s life — yes, even taxes. So, as plan participants prepare to embark on their post-career lives, it’s reasonable to expect them to have new questions about tax implications of retirement account withdrawals.

    After a lifetime spent saving, investing, and diversification, with retirement, the participant’s goal may not have changed, but their strategy will. They most likely still aim to achieve a financially secure retirement; but now, they face the challenge of transforming savings and investments into an income stream.

    January 24, 2024 | 4 min read

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    Financial literacyRetirement readiness

    Lead with knowledge: How lifelong learning adds retirement planning value

    How many retirement plan rules saw changes in the past year? How many are expected to go into effect over the next year or two? Contribution limits, required minimum distributions, catch-up contributions, income limits, tax rates — the retirement planning landscape is always in flux.

    January 17, 2024 | 2 min read

    Retirement readiness

    Why the “Saver’s Credit” may be worth looking into

    Retirement Savings Contributions Credit, better known as Saver’s Credit, was developed to encourage workers with low and moderate incomes to save for retirement. Few taxpayers actually take advantage of the program, however, with only 5.7% claiming the credit, according to the latest statistics.1

    January 10, 2024 | 3 min read

    InvestmentsFinancial literacyRetirement readiness

    Help employees understand the pros & cons of Roth options

    The differences between a traditional 401(k) and a Roth 401(k) are considered common knowledge among financial professionals and plan sponsors. But for the average employee who participates in a defined contribution plan, it’s not always cut and dried.

    November 22, 2023 | 2 min read

    TrendsRetirement readinessMedicare/Social Security

    2024 Cost-of-Living Adjustment (COLA) fast facts

    As we embark on another new year, many have been curious about the cost of living adjustments (COLA) they’ll see for 2024. The Internal Revenue Service (IRS) has made the updates available, and these adjustments have the marks of the current inflation crisis all over it.

    November 08, 2023 | 4 min read

    TrendsRetirement readinessSECURE 2.0

    Auto-escalation best practices for retirement plan and participant success

    Helping employees prepare for retirement is challenging yet critically important. Two key strategies are:

    1. Encouraging them to contribute to their retirement plans in the first place, and 
    2. Increasing those contributions over time.

    November 02, 2023 | 4 min read

    TrendsFinancial literacyRetirement readiness

    Helping retirees understand Medicare

    Securing one’s continued insurance coverage through retirement is critical. With so much to take care of, it can be overwhelming for retirees to make sure everything is in order as they sunset out of working life. Medicare in particular can be confusing.

    Those on the cusp of retirement may begin to have more questions about how to navigate the complexities of Medicare. Here’s an overview of Medicare’s parts and retirees’ healthcare options that can help inform financial and human resources professionals who often face questions from workers as retirement approaches.

    October 25, 2023 | 6 min read