As economic uncertainty looms in 2025, HR professionals face an increased challenge to safeguard their employees' retirement benefits. With unstable market conditions and changes to legislation looming, the stakes have never been higher for employer-sponsored plans.

This white paper offers HR leaders expert insights into the changing retirement landscape and practical strategies to help employees build more secure financial futures. From macroeconomic trends to plan design enhancements and employee education, you’ll gain tools to strengthen your benefits offerings and foster employee trust.

Download now to explore:

• The key factors affecting retirement planning in 2025

• How potential policy changes under a Republican-controlled Congress may impact employer-sponsored plans

• Strategies for integrating lifetime income options and improving retirement plan education

• Cybersecurity best practices to protect plan data and participant assets

• Approaches for talking about long-term strategy during a fluctuating market

Download now to elevate your benefits strategy and empower employees to retire with confidence.

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The views expressed in this material may change in response to changing economic and market conditions.

Past performance is not indicative of future returns. Any guarantees are backed by the claims-paying ability of the issuing company.

This material is for informational or educational purposes only and is not fiduciary investment advice, or a securities, investment strategy or insurance product recommendation. This material does not consider an individual’s own objectives or circumstances which should be the basis of any investment decision.

Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.

TIAA-CREF Individual & Institutional Services, LLC, Member FINRA, distributes securities products. Advisory services are provided by Advice & Planning Services, a division of TIAA-CREF Individual & Institutional Services, LLC, a registered investment adviser. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each is solely responsible for its own financial condition and contractual obligations.

Investment products may be subject to market and other risk factors. See the applicable product literature or visit TIAA.org for details.

Budget deficit estimated at $845 billion

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