In this conversation, Jack Towarnicky shares his perspective on the future of retirement savings, including why he views state auto-IRAs as suboptimal and his “100% Participation” concept—a withholding-based approach designed to reach every wage earner without adding employer burden.

Today we are here with John Mitchem and Jorik Van Zanden. We're going to talk about one thing only: what are the cultural differences around retirement thinking in the Eurozone, Australia, and the US. With a dollop of what that means for retirement outcomes.

This week we are honored to include the expert insights of industry leader Lorie Latham, CFA. Recently retired from T. Rowe Price’s Defined Contribution Team, Lorie’s got some great tips to get and keep your year on track. We’re applying these concepts to retirement programs, but we bet you can find other areas of your work and life to which they apply.