Advisor Sales Strategies

Providing financial education specific to the employer retirement plan – or even linking employees to online retirement needs calculators – can help employees better prepare for retirement, according to MissionSquare.

In 2024, 93% of auto-enrollment plans had participation rates of 80% or higher, compared with 49% of voluntary enrollment plans, according to Vanguard’s annual<i> How America Saves </i>report.

Gen Zers, in particular, are more likely to accumulate multiple small 401(k) accounts that are prime targets for automatic transfers to low-yielding Safe Harbor IRAs, which were never meant to be&nbsp;long-term investing vehicles, according to PensionBee.

As financial volatility persists, Gen Z is engaging with their finances at a younger age than millennials and leveraging technology, according to a new Betterment survey.

On Friday, President Donald Trump signed the Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act, which establishes federal guardrails for digital assets pegged to the U.S. dollar, lessening restrictions for crypto to be included in 401(k) plans.

In June, the SEC said it will explore this new investment opportunity, as “there may be risks, as well as benefits, for retirement savers,” but now President Trump is expected to advance private market access to become a bigger piece of the 401(k) market.