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.

February delivers fresh retirement insights—from Danielle Gladstone on participant engagement to Auto IRA updates and new innovation across the landscape. Plus, a few unexpected Hot Sauce picks.