The Hartford Financial Services Group Inc. is initiating the Two for Tomorrow marketing campaign, which recommends Americans redirect the newly implemented reduction in Social Security payroll taxes to their employer's 401(k) or other defined contribution retirement plan. Various educational initiatives designed for employers, employees and financial advisers are also included.

At the beginning of 2011, millions of Americans earned a higher paycheck because of legislation that temporarily reduces the Social Security payroll tax by 2 percent in 2011 and 2012 on annual wages of up to $106,500. Ultimately, this means an individual with an annual salary of $50,000 will receive an extra $1,000 in take-home pay for the next two years.

"The reduction in Social Security taxes is a perfect opportunity for retirement plan participants to redirect these additional funds into their retirement accounts," says E. Thomas Foster Jr., vice president and national retirement spokesperson for The Hartford. "It's a painless way to enhance retirement savings and help build a more secure financial future."