One of the nation's sharpest minds on retirement security talks universal access, automatic enrollment, the new TrumpIRA executive order—and why Teresa Ghilarducci believes every worker deserves a deferred Saturday.

We’re launching the RSM Ocean Series, exploring new possibilities in retirement security. This issue features AARP’s David John on Auto IRA Plus, a snapshot of State Auto IRAs, two proposals side by side, and Pics of the Week.

With Thanksgiving around the corner, grab a cocoa and join us by the (imaginary) cabin fire for a quick dose of smart fun. We’ve got Michael Kreps on 2025’s Quiet Retirement Revolution, a State Auto IRA check-in, news highlights, insights from the road, a few spicy takes, and—naturally—our Pix of the Week.