Retirement Trends

Proponents say retirees will have access to higher returns; critics say the potential risks are too high.

It is crucial for plan sponsors to think ahead and familiarize themselves with new provisions coming in 2026, including higher catch-up contributions, big changes to required minimum distributions and changes for annuities.

One-third of U.S. adults are using AI in their personal or professional lives, and as such they appear to recognize the value AI can add to financial planning when combined with human guidance.

By the end of this year, an average of 11,400 Americans will turn 65 each day, as employers need to simplify the annuities process and better meet the growing demand for guaranteed income products.

Economic uncertainty is driving anxiety, and employers and employees express differing views about AI’s role in benefit recommendations.

Employers need to be aware of the increased limit on catch-up contributions on older participants, as well as DOL’s new policy on transferring benefit payments on missing participants and uncashed checks of $1,000 or less.