Liz Davidson

We all know America has a saving problem. As a country, we're extremely underprepared for retirement, and what's worse is we aren't making much progress.

In 2011, Americans face some changes to their income and benefits where a sense of urgency can be a good opportunity to better their finances.

In our latest research on employee financial issues, we saw some light at the end of the recession tunnel.

HR is busy trying to put out the fires started by confusion and disgruntled employees, and amidst it all, are often missing opportunities to gain more participation in their benefits plans.

I'm sure you've heard the phrase "start off on the right foot." It's a guideline that can be applied to everything in life from starting a new career to getting married.

good plan design and standard communication just isn't enough anymore.

Companies aren't going to go back to using pensions, but they won't be able to just keep offering the same 401(k).

For brokers, this will mean changing the individual benefits you include in the comprehensive benefits package you offer your clients.