March brings renewal—and momentum. In our 100th edition, we explore bold ideas for universal retirement coverage, the continued rise of state Auto IRAs, and the policy debates shaping what’s next, all while riding the Ocean Series wave of fresh thinking 🌊

States at the Wheel: Momentum is building—but not without friction. Angela Antonelli on what’s working, what’s complicated, and what’s ahead for Auto-IRAs.

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.