Cybersecurity now ranks as the top concern for retirement plan sponsors, even ahead of investment performance and savings goals. With data breaches on the rise, the Department of Labor’s Employee Benefits Security Administration urges plan fiduciaries to follow key cybersecurity best practices to protect participant data and ensure plan integrity.

Access to professional financial advice significantly boosts retirement confidence—especially among younger workers with smaller savings. As Gen Z and Millennials balance “soft saving” lifestyles with long-term goals, advisor guidance can help them find the right mix between enjoying life today and preparing for tomorrow.

Frequent job changes can lead to “leakage” as workers cash out or lose track of small 401(k) balances—costing billions in potential retirement savings each year. Auto portability aims to solve this by automatically rolling low-balance accounts into employees’ new plans, helping preserve long-term savings and strengthen retirement readiness.

Your workplace retirement plan offers more than tax advantages and employer matching. From creditor protection and professional oversight to lower fees and estate planning benefits, understanding these often-overlooked features can help you maximize savings growth and strengthen long-term financial security.

Big news for retirement savers! The IRS just released the updated contribution and benefit limits for 2026, including higher caps for 401(k)s, IRAs, SIMPLE plans, and more.

Employer confidence in workforce retirement readiness is declining, increasing the need for plan sponsors to reassess strategies and partner with advisors to navigate new plan features,  compliance challenges, and rising demand for financial wellness programs.

Ready to enhance your retirement plan and boost workforce financial wellness? Connect with our team to explore tailored solutions and ensure your employees stay on track for a secure future.

The IRS’s finalized regulations under SECURE 2.0 will require employees earning over $145,000 in prior-year FICA wages to make catch-up contributions on a Roth (after-tax) basis starting January 1, 2026. This change presents both challenges and planning opportunities for high earners and plan sponsors alike—impacting tax strategies, plan features, and participant education. 

Employers should review their plan design, coordinate with payroll and recordkeepers, and proactively communicate these updates to ensure a smooth transition.

The path to retirement is shifting as more workers face competing financial priorities and rising costs that make saving difficult. New data shows that even as younger generations start saving earlier, many still find themselves living paycheck to paycheck and expecting to outlive their savings.

Employers and advisors have a unique opportunity to support these workers through flexible plan features, tools, and education that reflect today’s financial realities rather than outdated advice.