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It’s been 10 years since we saw a rare convergence of the industry, regulations, and academics with the signing of the Pension Protection Act (PPA) in 2016. Among the gems included in this legislation is the encouragement of the use of auto-enrollment. This “nudge” concept, advocated in part by strong academic studies, shifts the default from opting-in to opting-out. This takes advantage of the native decision-making inertia all too often exhibited by humans — that is, not making a decision.

Christopher Carosa


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