The modern retirement plan era began in 1974, with passage ofERISA and authorization of Individual Retirement Arrangements(IRAs).
Four years later, a change in tax law created 401(k)s. For thenext 38 years IRAs and 401(k)s drove U.S. retirement plangrowth.
This year, a new paradigm begins with the launchof the first state-sponsored Secure Choice programs.
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