https://www.massenaassociates.com/blog daily 0.75 2026-03-19 https://www.massenaassociates.com/blog/rsm-march-2026 monthly 0.5 2026-03-19 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/6b0e33c4-76b4-4ca7-9415-b4b4b945d48b/2026-03+-+Barber.jpg Blog (Old Layout) - Retirement Security Matters: March 19, 2026 - Greetings! Welcome to Retirement Security Matters A forum for retirement savings innovation, together. https://www.massenaassociates.com/blog/states-at-the-wheel monthly 0.5 2026-03-19 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/d69f680d-6576-4fb5-94e6-e4319d4e8ea7/Antonelli+Sept+2025+photo+2+IMG_3586.PNG Blog (Old Layout) - States at the Wheel: Angela Antonelli on What’s Hot, What’s Complicated, and What’s Coming for Auto-IRA Programs - Make it stand out Angela M. Antonelli, Research Professor and the Executive Director of the Center for Retirement Initiatives (CRI) at Georgetown University’s McCourt School of Public Policy https://www.massenaassociates.com/blog/getting-to-100-percent-participation monthly 0.5 2026-03-18 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/4eeb7aa3-1a42-4b33-848b-c2f4d100646d/Towarnicky+Headshot+-+Cropped.png Blog (Old Layout) - Getting to 100% Participation: Withholding Beats Payroll Deduction! - Make it stand out Jack Towarnicky, Of Counsel, Koehler Fitzgerald, LLC https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/7dafeab0-642a-4bb6-88fa-623c2900f79d/March+TL+-+IRA+Chart.png Blog (Old Layout) - Getting to 100% Participation: Withholding Beats Payroll Deduction! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/rsm-february-2026 monthly 0.5 2026-03-18 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/86c88701-4b82-4900-8c2e-9b4e0d315316/2026-02+-+Pet_grooming.jpg Blog (Old Layout) - Retirement Security Matters: February 19, 2026 - Greetings! Welcome to Retirement Security Matters A forum for retirement savings innovation, together. https://www.massenaassociates.com/blog/what-drives-retirement-readiness monthly 0.5 2026-03-18 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/29a4bfeb-e27e-43ac-bce9-e0637c8c3828/Danielle+Gladstone+Headshot+2.png Blog (Old Layout) - Beyond the Click: What Really Drives Retirement Readiness - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/rsm-january-2026 monthly 0.5 2026-02-14 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1f81c341-c772-4407-b1ab-1e4cec7e70df/2026-01+-+Retail_Salesperson.jpg Blog (Old Layout) - Retirement Security Matters: January 22, 2026 - Greetings! Welcome to Retirement Security Matters A forum for retirement savings innovation, together. https://www.massenaassociates.com/blog/auto-ira-plus monthly 0.5 2026-02-05 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/f46ee36a-b466-4741-bb9d-d2b88c0eff0a/David+John+-+photo+for+website.png Blog (Old Layout) - David John on Auto IRA Plus: The Next Generation of Retirement Savings Access - Make it stand out David John, Senior Strategic Policy Advisor, AARP's Public Policy Institute https://www.massenaassociates.com/blog/rsm-december-2025 monthly 0.5 2026-02-15 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/49ffa6ec-41b2-4a29-be47-14b947e774b7/2025-12+-+Rideshare_driver.jpg Blog (Old Layout) - Retirement Security Matters: December 18, 2025 - Greetings! Welcome to Retirement Security Matters A forum for retirement savings innovation, together. https://www.massenaassociates.com/blog/vermont-saves-small-state-big-vision monthly 0.5 2025-12-18 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/4828d3de-a3dd-40c1-8ba5-ef6c71d3c364/Becky+Wasserman+Headshot+%28December+2025%29+-+cropped.png Blog (Old Layout) - Small State, Big Vision: Becky Wasserman on Building Vermont Saves—How Vermont's inaugural executive director is making retirement security accessible to more than 80,000 workers - Make it stand out Rebecca (Becky) Wasserman, Executive Director, Vermont Saves https://www.massenaassociates.com/blog/rsm-november-20-2025 monthly 0.5 2026-02-15 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/0b012f67-1535-4c85-8b54-0a6838e21665/03+-+Bicycle_mechanic.jpg Blog (Old Layout) - Retirement Security Matters: November 20, 2025 - Greetings! Welcome to Retirement Security Matters A forum for retirement savings innovation, together. https://www.massenaassociates.com/blog/quiet-retirement-revolution monthly 0.5 2025-12-16 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1a59591e-a3ba-4314-b458-5d19e52b422a/Kreps+Headshot+1.png Blog (Old Layout) - Michael Kreps on 2025's Quiet Retirement Revolution: Trump Accounts, Saver’s Match, and More - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/rsm-october-16-2025 monthly 0.5 2026-02-15 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/d8eae69b-0e7b-4e91-a2be-4523f0b07c03/22+-+Truck_driver.jpg Blog (Old Layout) - Retirement Security Matters: October 16, 2025 - Greetings! Welcome to Retirement Security Matters A forum for retirement savings innovation, together. https://www.massenaassociates.com/blog/60-percent-retirement-gap monthly 0.5 2025-11-17 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/891079c3-cb55-46a5-9300-242585115fa6/Kim+Foley+Image+2.png Blog (Old Layout) - 60% of Workers Think They’re Saving for Retirement—But Aren’t. Tracey Foley from Principal Financial Group Says More. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/rsm-september-18-2025 monthly 0.5 2026-02-15 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/e3b53791-ac73-4d56-a888-6d1efbbb97bc/23+-+Working_in_Restaurant.jpg Blog (Old Layout) - Retirement Security Matters: September 18, 2025 - Greetings! Welcome to Retirement Security Matters A forum for retirement savings innovation, together. https://www.massenaassociates.com/blog/whats-next-for-retirement-security monthly 0.5 2025-10-15 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/996d7f17-d4df-4107-9e61-c1beb520cfd0/Antonelli+Sept+2025+Banner.png Blog (Old Layout) - Angela Antonelli: What’s Next for Retirement Security - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/rsm-august-14-2025 monthly 0.5 2026-02-16 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1755192988657-ZBY66SDEHUJP2XWJPJYQ/01+installing+kitchen+tile.jpg Blog (Old Layout) - Retirement Security Matters: August 14, 2025 - Greetings! Welcome to Retirement Security Matters A forum for retirement savings innovation, together. https://www.massenaassociates.com/blog/calsavers-at-scale monthly 0.5 2025-09-17 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/2584eb46-9b27-4b76-9084-0c6b2a95010e/David+Teykaerts+for+RSM.png Blog (Old Layout) - CalSavers at Scale: David Teykaerts on Building Access, Trust, and Momentum in 2025 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/97a700b4-6395-4768-95ba-3203289aec88/July+2025+CakSavers+Chart_Page_1.png Blog (Old Layout) - CalSavers at Scale: David Teykaerts on Building Access, Trust, and Momentum in 2025 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/rsm-july-17-2025 monthly 0.5 2026-02-16 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/65b4e8ec-19de-449c-80e6-710ebfce9dcc/01-header-Baker+with+Cupcakes.jpg Blog (Old Layout) - Retirement Security Matters: July 17, 2025 - Greetings! Welcome to Retirement Security Matters A forum for retirement savings innovation, together. https://www.massenaassociates.com/blog/building-financial-security-for-the-future-lxt74 monthly 0.5 2025-08-13 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/16f41158-e867-4c9e-8293-8bfc8f679495/Aspen+Intro.png Blog (Old Layout) - The System America Deserves: A Conversation with Karen Andres and KC Boas of the Aspen Institute Financial Security Program - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/36ca6b97-146e-4ec6-aa2a-fb6dbd7c8e51/On+Retirement+Insert.png Blog (Old Layout) - The System America Deserves: A Conversation with Karen Andres and KC Boas of the Aspen Institute Financial Security Program - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/ae322299-f570-42e8-a690-525bb8f7ce7b/On+Opportunity+Insert.png Blog (Old Layout) - The System America Deserves: A Conversation with Karen Andres and KC Boas of the Aspen Institute Financial Security Program - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/rsm-june-12-2025 monthly 0.5 2026-02-16 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/2dd691ce-be76-4316-91e5-3c6a4f196cad/25+handyman.jpg Blog (Old Layout) - Retirement Security Matters: June 12, 2025 - Greetings! Welcome to Retirement Security Matters A forum for retirement savings innovation, together. https://www.massenaassociates.com/blog/building-financial-security-for-the-future monthly 0.5 2025-07-16 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/d74da980-5c9d-4dc4-8892-cb738cc287b1/Flacke+-+NL+Picture.png Blog (Old Layout) - Especially Now - Building Financial Security for the Future: A Conversation with Tim Flacke, CEO of Commonwealth - Make it stand out Tim Flacke, Chief Executive Officer and Cofounder of Commonwealth. https://www.massenaassociates.com/blog/rsm-january-4-2024 monthly 0.5 2025-06-12 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/2d6a81ad-113c-4903-ab57-3d4e7c9f66cb/02+pet+groomer.jpg Blog (Old Layout) - Retirement Security Matters: January 4, 2024 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/rsm-december-14-2023 monthly 0.5 2025-01-17 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/7d305f78-fffc-4cb5-a642-cb80faa3a68a/23+waiting+tables.jpg Blog (Old Layout) - Retirement Security Matters: December 14, 2023 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/serving-small-businesses-with-starter-k monthly 0.5 2025-06-11 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/72b4be93-893e-4c83-9ac8-23d3f35a1026/Caballero+Rosenberger.png Blog (Old Layout) - Serving Small Businesses with Starter K: with Guideline’s Jeff Rosenberger and Jeremy ‘Cabs’ Caballero - Make it stand out Jeremy Caballero and Jeff Rosenberger, Co-founder CPO and COO, Guideline https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/e95a5729-b96b-438b-a9d4-8333740a532e/Updated+Comparison+Chart.png Blog (Old Layout) - Serving Small Businesses with Starter K: with Guideline’s Jeff Rosenberger and Jeremy ‘Cabs’ Caballero - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/state-auto-ira-program-metrics monthly 0.5 2023-12-14 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/bc181a60-2da0-47a4-b8d6-7db647473345/Chart+MA+-+Dec+14.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/79ccf4ff-5041-482f-9769-31796fe563f9/Chart+MA+-+Nov+30a.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/cea0718c-1da0-4fd3-969d-6b518188a586/Chart+MA+-+Nov+2.jpg Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/8ab9bf6b-6973-484a-8b9d-d8ee0f42c501/Chart+Oct+19+-+MA.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/32bdfeed-ce11-4eef-a61c-cd60d480f440/Chart+-+Oct+5+-+MA.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/796b80f6-b38f-41f0-99f0-63438398240a/Chart+-+Website+Sept+21.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/63d9d1ba-ece5-4a68-8062-37e08d5c40b7/Chart+-+Website+-+Sep+7.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/e26f763b-5af2-4b55-b8e9-ee19adbcea62/Chart+-+Website+August+17.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/d26bdfbb-1f9e-4fe4-944f-2e416471261c/Chart+Website+-+July+20.jpg Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/e1443be0-66b2-431b-b7f9-94620a203950/Updated+Chart+-+June+29+Website.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/be6ddda2-4ac6-4cc3-a6b6-bae83631817a/RSM+80+Chart+W.jpg Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/b8db8d6e-b72e-4328-baee-5c1c430906e9/Chart+Website+5-18.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/6d27d16b-fb99-49fe-85e1-5daba263c264/Chart+-+Website+May+3.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/da6a898e-1fbe-4322-b08d-8973b7fe1db9/Chart+Website+-+April+6.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/3d09cab9-8987-475a-a784-d6edb739212e/Chart+-+March+9+Website.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/120369a5-74b9-41a6-a2ac-0b0ff212ad7b/Chart+-+Website.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/04fc78ed-f29b-4b51-a1b5-73faba81d218/Chart+-+website+use+this.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/0e9bc60e-eab1-4755-83f3-267a553967ed/Chart+-+Website.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/5548e84b-9279-4206-a47b-b12c1313bb5e/State+Metrics+%28Website%29+%28Jan+12%29.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/54727054-0345-4c08-bf75-14bb53cb364c/Chart.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/0fd6faa8-b90f-4bb8-8898-f71efae8601d/Chart+-+December+1.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/543ccfac-8d6e-4ad1-a3e0-95935921c334/Chart+-+Website+Nov+17.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1667402051165-I87Y0YEA0OWJ8XDFFQD0/Chart+for+Website.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1665083718906-00HF7CYN72TY4UMMSVK8/Updated+October+6+chart+for+website.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1663776171413-GYR125O6GTNXWBEX20I1/Chart+Sept+22+-+Website.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1661969965978-5KH5OXQVA2S7UP4KSUA3/Chart+-+Sep+1.jpg Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1660164115893-ZUEBF730VMY49NAKXORD/Chart+-+Aug+11.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1658422715294-52O2WXIEGWOXSHHZZSK2/CHART+JULY+21+2022.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1656524795215-Q6FOUS0SMT5YHTM0OW7I/1+-+Chart+June+30.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1654793166271-ADKQEG4YUQDIUYLWPGGX/Chart+June+9.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1652980818720-NOMIVONSEFW77TB1LQ8W/Chart+v4.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1651764318763-9EEOIX55Q8AJIJUMT64P/Updated+Chart+May+5.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out What we see: We now have a full set of data for March across the three funded Auto IRA programs and CalSavers reaches a new milestone! Highlights: CalSavers just exceeded 250,000 funded saver accounts. That’s a quarter of a million Californians who didn’t have a way to save at work before. #Waytogo. With the next employer deadline coming up many more workers will soon have access. Across the three programs, we now see more than 460,000 funded accounts – closing in on the $500 million saved mark, but not quite there yet! For comparison, funded accounts up 7% this year so far, up 1.7x since December 2020 and up about 4.2x since December 2019. Over 61,600 employers are now registered to facilitate and 20,400 have begun facilitating payroll deductions. Saver assets saw a 2.8x increase over their 2020 year-end level, and are up 8x their level at December 2019, bringing the total across all programs to $445 million. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1650545720020-XTZIWKQVZB1S6YWOPGVS/Chart+-+April+21.jpg Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out What we see: April figures are rolling in! Highlights: Across the three programs, we now see more than 460,000 funded accounts – creeping toward the half-million mark. For comparison, funded accounts up 7% this year so far, up 1.7x since December 2020 and up about 4.2x since December 2019.  Over 61,500 employers are now registered to facilitate and 20,000 have begun facilitating payroll deductions. Current combined assets are up $17 million since our last report, to $440 million. This is a 2.7x increase over their 2020 year-end value, and 8x their level in December 2019. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1649273174785-1SGJDAGD4BUHHEH4VAH3/Chart+-+April+7.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1648140611088-E682O0HCE3AQFTDUW7TZ/Chart+32422.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1646935658085-J59QQ7I86B7RUF3SXA1G/Chart+Mar+10.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1645640775510-3HEE0HDJVSJN36HJRMX8/Chart+Feb+24.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1644511325058-4MV2JAFPOLHNQV6484FJ/State+Metrics+Feb+10.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1643297398858-7L8XIS9BVBEC74VGZ0BR/Chart+Jan+27.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1643297473784-IAM88XGSRXUVHUI6K8LF/Chart+2+Jan+27.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1642095009427-PYLZCR5YQY9I6XNMVID0/Chart+Jan+13.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1640887015839-COEASTYNVEX8QOZU9SF6/Chart+Dec+30.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1639676713699-3W45O1HV846TG7HEYMWY/Chart+12-16.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1638461005519-NJ0WC8UISV6GAVZVPU2Z/Chart.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1637256623521-KJMNOXDN12BEVSZCP7VP/Chart+11-18.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1636037329558-084KXBOYHOWJ0RLLN23C/Chart+-+Nov+4.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Keeping it simple: Looking at the “most current” column in yellow, we see that funded accounts across the three programs have just crossed the 400,000 mark. Today’s 409,000 funded accounts compares to about 263,000 at the start of the year, and 193,000 one year ago. Combined assets are over $357 million, almost 3x their value a year ago. Average account balances are now at $873 and up $50 from our last report. As we report, Oregon’s average account balance is higher ($1,185) because the program has been in place longer. Average 30-day saver contribution rates are $111, $138, and $143 (Illinois, Oregon, California). Employee opt out rates are steady, at about 32%. Employer perspective: More than 16,800 employers are now facilitating state Auto IRAs. Another 23,500 have registered to facilitate and are in the process of providing employee roster information, which is the first step in the employee engagement process, or preparing to start payroll deductions for participating employees. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1634824264426-55LEAN7EVTBPM83AORPA/Chart+10-21.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1633621138111-O42X970JHCVB0P2VBK9K/Chart+10-7.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1631200011791-XNFOZEVOR34P1890BK1F/Chart+-+Aug+9.png Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs We love reading charts! *ding ding ding* Consolidated program assets have just crossed the $300 million mark, with the benefit of swift August 31 reporting from Illinois. Funded accounts are at 371,751 – up 41% year to date and up about 200,000 accounts from September of 2020. Average account balances have climbed to $811. Does this seem low to you? Note that this is the average across all accounts with a balance, including brand new accounts. Longer term savers have balances that much higher, and in line with an average savings rate of $1,200 to $1,500 a year. We also recognize that for many workers covered by these programs, $800 that you saved, in an account with your name on it, is in fact a very big deal. Opt out rates are trending lower – down 5% this year and 9% since September last year. Employer perspective: The number of employers registered to facilitate continues to rise. Expect to see a significant bump in this number when CalSavers reports their August 31 figures, shortly. It also takes time for employers to move from registration to facilitation. Here we see that the significant savings achieved above has been accomplished through the early 15,000 employers who have begun to facilitate these programs. Another 21,000 were in the pipeline as of this snapshot, with more pending registration in line with current program deadlines. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1629988171850-4NMD5UXMUE0WAINKTD31/Chart+1+-+Aug+26.jpg Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs What is new! These figures reflect July 31 data for all three states. Assets are creeping up on $300 million and funded accounts have crossed the 370k mark. It’s close to the end of August, so you can bet these numbers are higher now. At July, assets were up 86% for the year; funded accounts were up 40%. Average account balances are over $804 – first time we’ve seen them in this zone. Keep in mind that these are an average across all accounts with a balance, including brand new accounts. Longer term savers have balances that much higher, and in line with an average savings rate of $1,200 to $1,500 a year. Just fewer than 37,000 employers have registered to facilitate retirement savings, with 15,188 of those employers having achieved transmission of first payroll deduction. Saver retention rates are running at about 68%. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1628702899783-7DWX9TU8HLS322419FKD/Enhanced+Chart+-+Aug+12.jpg Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs Cracking the Code! These figures reflect July 31 data for Illinois, and June 30 data for California and Oregon. You’ll see some modest but important changes with the addition of this new data. One, average account balances continue to rise. Two, effective opt out rates continue to decline. And, in line with the saying “lies, damned lies, and statistics” you’ll notice that a three percentage point reduction in opt outs / gain in effective participation translates as -5% and +2% on this chart. You’re welcome. Combined assets are up $3 million since our last report, at $279 million, and about 74% year to date. Funded accounts are over 360,000 – up 36% year to date. Average account balances are now $776 across all savers in all three programs. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1627652127204-22H9JMUOX48GROST21IP/Chart+July+29.jpg Blog (Old Layout) - Metrics and Trends – State Auto IRA Programs Cheat Sheet! These figures reflect June 30 data for all three states. Assets are up $6 million since our last report, at $276 million, and about 72% year to date. Funded accounts are over 358,000 – up 36% year to date and nearly 2-1/2 times where they were a year ago. Average account balances are at $770. Average contributions in each of the programs are ranging from $115-$143 a month. Employer facilitation figures are up. Across the three programs, nearly 36,000 employers have now registered to facilitate. Watch this number in our next edition as California’s June 30 deadline begins to bring more employers onboard. About 14,700 employers have started payroll deductions for their employee savers. The number of new facilitating employers has grown by two-thirds since June 2020, and by 28% since the start of 2021. Employee opt out rates are running at about 32%, with participation rates at 68%. A year ago the rates were running at 35% opt out / 65% participation. https://www.massenaassociates.com/blog/rsm-november-30-2023 monthly 0.5 2025-01-22 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/333cfc4c-5eb1-4733-b7b4-ef803f13ba16/22+greenhouse.jpg Blog (Old Layout) - Retirement Security Matters: November 30, 2023 - Greetings! 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Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/when-c-does-not-equal-cool monthly 0.5 2023-10-19 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/580d4962-3ce6-4e58-8485-168e49755804/Pic+1+-+Oct+19.png Blog (Old Layout) - When “C” Does Not Equal “Cool” - Make it stand out There’s light at the other end of this tunnel. Photo credit: Christian Lambert, October 2023 https://www.massenaassociates.com/blog/rsm-october-5-2023 monthly 0.5 2025-01-22 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/6066c55b-8353-4f1e-9780-c6ae9876ded3/14+bakery.jpg Blog (Old Layout) - Retirement Security Matters: October 5, 2023 - Greetings! 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Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/parsing-secure-2-0 monthly 0.5 2023-04-05 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/0a46fd8c-5270-4d19-904a-4ca800520e03/Iwry+-+5.jpg Blog (Old Layout) - Parsing SECURE 2.0: Good News/Bad News and Future Focus - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/rsm-march-9-2023 monthly 0.5 2025-01-22 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/80424c4a-55c5-470b-9f99-6833b4c397e5/02+pet+groomer.jpg Blog (Old Layout) - Retirement Security Matters: March 9, 2023 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/rsm-february-23-2023 monthly 0.5 2023-03-07 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/3daf79e8-1d10-488d-9248-c8fa89baadef/01+installing+kitchen+tile.jpg Blog (Old Layout) - Retirement Security Matters: February 23, 2023 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/financial-inclusion-the-blockchain-way monthly 0.5 2023-03-22 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/8bf01cf4-ae49-4707-b37d-030498a514c5/David+Headshot+3.jpg Blog (Old Layout) - Financial Inclusion – the Blockchain Way: with Entrepreneur David Derryck - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/rsm-february-9-2023 monthly 0.5 2025-01-22 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/66191df0-5123-45bf-8ce9-fc3a594d39d7/02-header-BicycleDelivery.jpg Blog (Old Layout) - Retirement Security Matters: February 9, 2023 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/secure-20-hot-take-on-new-plans monthly 0.5 2023-02-10 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/f388bb95-539c-4fcf-9ea7-cd8b6e6e8b43/SECURE+2.0.jpg Blog (Old Layout) - If You Incent It, Will They Do It? a Hot Take on SECURE 2.0 and New Plans - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/new-york-state-en-espanol monthly 0.5 2023-02-21 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/0a801e5c-9ff2-4b18-a9b6-baa87f531406/Mateo+3.jpg Blog (Old Layout) - New York State En Espanol &nbsp;– Planificacion de Jubilacion – For the Hispanic Community - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/rsm-january-26-2023 monthly 0.5 2025-01-22 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/a0dedf60-be60-4f0b-b1ea-267b1af6f485/01-header-Baker+with+Cupcakes.jpg Blog (Old Layout) - Retirement Security Matters: January 26, 2023 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/illinois-secure-choice-at-five monthly 0.5 2023-02-06 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/e117fdde-51fd-4906-a789-123c8ae923ee/Frerichs+2.jpg Blog (Old Layout) - Illinois Secure Choice at Five: $100 Million and 100,000 Savers - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/secure-20-hot-take-on-savers-match monthly 0.5 2023-01-26 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/f388bb95-539c-4fcf-9ea7-cd8b6e6e8b43/SECURE+2.0.jpg Blog (Old Layout) - Someday, Over the Rainbow: a Hot Take on SECURE 2.0 and the Saver’s Match - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/b5fb2954-b2f2-4bb6-b880-dccb530341ad/Insert.jpg Blog (Old Layout) - Someday, Over the Rainbow: a Hot Take on SECURE 2.0 and the Saver’s Match - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/rsm-january-12-2023 monthly 0.5 2025-01-22 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/8efdcc3a-dd85-4aba-be5c-8569bcdd01ba/20-header-Woman-Carpenter.jpg Blog (Old Layout) - Retirement Security Matters: January 12, 2023 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/asso-yankson-reframes-retirement monthly 0.5 2023-01-24 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/32b4d478-3f30-4a4d-b30a-aec1b1a6604a/Asso+Yasson+Photo.jpg Blog (Old Layout) - Meet Me Where I Am: Asso Yankson Reframes Retirement - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/secure-20-hot-take-on-automatic-enrollment monthly 0.5 2023-01-24 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/f388bb95-539c-4fcf-9ea7-cd8b6e6e8b43/SECURE+2.0.jpg Blog (Old Layout) - What’s Secure 2.0 Got to Do With It: a Hot Take on Automatic Enrollment - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/602bc28b-c944-41b7-8124-36f06b5cfcbd/SECURE+2.0+Chart.png Blog (Old Layout) - What’s Secure 2.0 Got to Do With It: a Hot Take on Automatic Enrollment - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/rsm-december-15-2022 monthly 0.5 2022-12-16 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/7ed608da-a6ad-4890-a415-fbaef273a8e7/19-header-Woman_CarpentryShop_Owner.jpg Blog (Old Layout) - Retirement Security Matters: December 15, 2022 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/expanding-equitable-retirement monthly 0.5 2022-12-16 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/e56aea0d-96fd-41dc-b134-64d73cfdef1e/Aspen+DCIIA+Morningstar+2022.png Blog (Old Layout) - Expanding Equitable Retirement: Get to know this new DCIIA-Aspen-Morningstar Initiative - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/a-new-map-of-life-and-retirement monthly 0.5 2023-01-11 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/3f135d36-284d-4dbf-8c0e-fff27c6fa07f/Martha+Deevy+1.png Blog (Old Layout) - A New Map of Life (and Retirement): 100 Years - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/emergency-savings monthly 0.5 2022-12-07 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/9d75faa3-b959-4862-aeb9-f14acc57cfd5/Picture1.png Blog (Old Layout) - Double-clicking on Emergency Savings - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/rsm-december-1-2022 monthly 0.5 2022-12-12 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/b7ec41d8-106c-4c4a-8cf3-60495d9a2614/18-header-Welder.jpg Blog (Old Layout) - Retirement Security Matters: December 1, 2022 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/rsm-november-17-2022 monthly 0.5 2022-11-23 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/f53755e6-a89e-4bc0-9b28-8dbffab8cc16/17-header-Waitress_withMask.jpg Blog (Old Layout) - Retirement Security Matters: November 17, 2022 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/well-being monthly 0.5 2022-12-13 https://www.massenaassociates.com/blog/leaning-into-latinx-4-ways-to-become-more-effective monthly 0.5 2022-11-28 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/c90233d7-6818-4669-a697-8a74786089bf/IMG_7353.jpeg Blog (Old Layout) - Leaning into Latinx: 4 ways to become more effective - Make it stand out Photo: The Honorable Kathleen Kennedy Townsend keynotes UnidosUS’ 2022 Workforce Summit, Puerto Rico. Ms. Townsend is the Secretary’s Representative on Pensions and Retirement at the Department of Labor where she is leading the Retirement Campaign for President Joe Biden and Secretary Marty Walsh. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/6ab38b84-ec5f-4edc-80a4-f7a89bbd5dd8/IMG_7333.JPEG Blog (Old Layout) - Leaning into Latinx: 4 ways to become more effective - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/rsm-november-3-2022 monthly 0.5 2022-11-14 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1666378910575-IFR0U2SA6JKPJF11ZPV5/16-header-TextileWorkers.jpg Blog (Old Layout) - Retirement Security Matters: November 3, 2022 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/connecticut-myctsavings-braswell-muirhead monthly 0.5 2022-11-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1667332285434-BXD0PVRY1WH5SFTR2T5H/Nov+3+TL.png Blog (Old Layout) - Connecticut’s Comptroller on MyCTSavings: Access, Equity, and Early Results - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/nast-national-savings-training-programs monthly 0.5 2022-11-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1666983228349-UWXL2D7RSCK9I2MZNJZH/Kari+-+2.png Blog (Old Layout) - Best Practices in National Savings Training Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/rsm-october-20-2022 monthly 0.5 2022-10-21 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1665672089596-PCB74JPJB74OHDUOWXZD/15-header-TattooArtist.jpg Blog (Old Layout) - Retirement Security Matters: October 20, 2022 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/what-the-smallest-employers-want monthly 0.5 2022-11-01 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1666105544433-9Y6ZN332PH891NBPSNV9/Steve+Abbott+Header.jpg Blog (Old Layout) - What the Smallest Employers Want: Gusto and a tide of new workplace savings - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/rsm-october-6-2022 monthly 0.5 2022-10-13 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1665079798159-LM2XPK6JDIRHQI97NBVP/14-header-Seamstress-Sewing.jpg Blog (Old Layout) - Retirement Security Matters: October 6, 2022 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/six-facts-why-we-are-unequal monthly 0.5 2022-10-06 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1665023328828-35JKI659TPL7LI329XCO/GS+NL.png Blog (Old Layout) - Why We’re Unequal: 6 Facts You Need to Know - Make it stand out Geoffrey Sanzenbacher received his PhD from Boston College in Economics in 2010, and since 2014 has taught a course on the Economics of Inequality. Dr. Sanzenbacher is Associate Professor of the Practice with the Economics Department at Boston College, and a Research Fellow at the Center for Retirement Research. https://www.massenaassociates.com/blog/rsm-september-22-2022 monthly 0.5 2022-10-06 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1663686804257-PU0TXSWSO63XVBKAUSPR/13-header-RestaurantWorkers.jpg Blog (Old Layout) - Retirement Security Matters: September 22, 2022 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/new-stuff-in-the-center-for-retirement-and-policy-studies monthly 0.5 2022-10-04 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1663732982141-TC6H0O0KZZZ4IYNTMXZA/Aron+Title.png Blog (Old Layout) - New Stuff in the Center for Retirement and Policy Studies: Morningstar’s Aron Shapiro on Research Surprises, and more. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/helping-users-plug-the-leaks monthly 0.5 2022-10-28 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1663685533436-6GWMCQ4AQ5F7Q46ZXBAR/Lindsay+Juarez+-+Sep+22+2022.jpeg Blog (Old Layout) - Helping Users Plug the Leaks - Make it stand out Lindsay Juarez, Behavioral Research with Common Cents Lab and Irrational Labs https://www.massenaassociates.com/blog/rsm-september8-2022 monthly 0.5 2022-09-20 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1662654954398-GRNWBGZQB0OWIFWC04LX/12-header-NailSalon-Technician.jpg Blog (Old Layout) - Retirement Security Matters: September 8, 2022 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/cal-savers-340000-new-savers-and-growing monthly 0.5 2022-09-08 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1662560816285-YMYK9KPJ7C7UJBVPJ8W7/Selenski+-+Sept+8.jpg Blog (Old Layout) - CalSavers: 340,000 New Savers, and Counting - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/perry-wright-defaults-and-anchors-6hx5s monthly 0.5 2022-09-08 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1658158795689-TRSGRAUKC8CB0MF32IA6/Wright+Perry+hi-res+2x2+2022.7.png Blog (Old Layout) - May I Offer You a Precommitment? - Make it stand out Perry Wright, Senior Behavioral Researcher, Common Cents Lab at Duke University https://www.massenaassociates.com/blog/rsm-september-1-2022 monthly 0.5 2022-09-08 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1661976127896-7S0J00GVOBE78CR6ASIT/11-header-Man-in-Workshop.jpg Blog (Old Layout) - Retirement Security Matters: September 1, 2022 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/rsm-august-11-2022 monthly 0.5 2022-08-31 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1660164336944-S40EW1ASKRBVVOYHLZ7P/10-header-hairdresser.jpg Blog (Old Layout) - Retirement Security Matters: August 11, 2022 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/a-national-strategy-for-financial-inclusion monthly 0.5 2022-09-19 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1660156824954-FBNLHKO93TARYL0HUR0Z/Headshots.jpg Blog (Old Layout) - A National Strategy for Financial Inclusion? We like it. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/perry-wright-defaults-and-anchors monthly 0.5 2022-08-11 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1658158795689-TRSGRAUKC8CB0MF32IA6/Wright+Perry+hi-res+2x2+2022.7.png Blog (Old Layout) - Serving Your Users Through Defaults and Anchors - Make it stand out Perry Wright, Senior Behavioral Researcher, Common Cents Lab at Duke University https://www.massenaassociates.com/blog/rsm-july-21-2022 monthly 0.5 2022-08-10 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1658416731152-LWJLJ8UJCWCM80XD5PMQ/09-header-FurnitureMaker.jpg Blog (Old Layout) - Retirement Security Matters: July 21, 2022 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/housing-f43gr monthly 0.5 2022-08-10 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1658158795689-TRSGRAUKC8CB0MF32IA6/Wright+Perry+hi-res+2x2+2022.7.png Blog (Old Layout) - Behavioral Science: Laying the Groundwork for More than a Nudge - Make it stand out Perry Wright, Senior Behavioral Researcher, Common Cents Lab at Duke University https://www.massenaassociates.com/blog/when-ten-is-a-10 monthly 0.5 2022-08-09 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1658506201302-4U119LSOPRHH8QM4GFEY/Will_Sandbrook_16-9_crop.jpg Blog (Old Layout) - When Ten is a “10”: Auto-enrollment in the UK paves the way We’re excited to talk with our friend Will Sandbrook for several reasons. One, he’s been with Nest Corporation (UK) since it started. Ten years on, we want to know what he sees. Two, Will is Managing Director of Nest Insight, Nest’s in-house research and thought leadership unit focused on delivering cutting-edge research into how to improve retirement outcomes for the ‘DC generation.’ https://www.massenaassociates.com/blog/rsm-june-30-2022 monthly 0.5 2022-07-21 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1656598272270-04JVEQA5IQ2YWVH87C03/08-header-FoodTruck.jpg Blog (Old Layout) - Retirement Security Matters: June 30, 2022 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/housing monthly 0.5 2022-07-18 https://www.massenaassociates.com/blog/what-10-state-auto-iras-mean monthly 0.5 2022-06-28 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1656450506987-NADG8MUTQD6376PVAFNQ/horizontal-massena_pi_retirecon_062717_0319a.JPG Blog (Old Layout) - Benefits Law Journal: What 10 State Auto IRAs Mean for the US Retirement Savings Ecosystem - Every now and then we get official! We never expected to see ourselves printed in a journal that had the word “Law” in the title — but we think you’ll like it. Here’s a copy in PDF form. If you’d like to read more of the Benefits Law Journal, you’ll find it here. Subscription may be required. https://www.massenaassociates.com/blog/oregonsaves-turns-five monthly 0.5 2022-07-18 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1656363749479-NM7ZMLFWUELB11MQX4AW/Headshots+-+June+30.jpg Blog (Old Layout) - OregonSaves Turns Five: That Was Fast. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/rsm-june-9-2022 monthly 0.5 2022-06-29 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1652981252324-YIZBCB4WZL528XCGW85W/07-header-FoodDelivery.jpg Blog (Old Layout) - Retirement Security Matters: June 9, 2022 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/best-practices-the-status-quo monthly 0.5 2022-06-26 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1653586446727-JNLV87VLMT4CJPA3G6T9/nick-fewings-5RjdYvDRNpA-unsplash.jpg Blog (Old Layout) - The Status Quo - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/next-generation-ascensus monthly 0.5 2022-06-27 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1654792544452-CRDBHBS94BIMBYM9D0T2/Pic+1+-+June+9.png Blog (Old Layout) - Next Generation: Ascensus puts its experience to work - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/rsm-may-19-2022 monthly 0.5 2022-05-19 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1652979988934-PXSAFB3LWFZMVPWJLQXI/06-header-CoffeeShop-Worker-withMask.jpg Blog (Old Layout) - Retirement Security Matters: May 19, 2022 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/four-innovations-and-rollout-reality-marylandsaves monthly 0.5 2022-05-19 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1652909052689-ZU6WHQ3T96CAZ0DIYQ9M/IMG_3943.jpeg Blog (Old Layout) - Four Innovations and Rollout Reality: Maryland$aves at ground zero - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/rsm-may-5-2022 monthly 0.5 2022-05-19 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1646934725739-8BT3ERCP9ML4287Q89FC/01-header-Baker+with+Cupcakes.jpg Blog (Old Layout) - Retirement Security Matters: May 5, 2022 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/relevant-irreverance-jd-carlson monthly 0.5 2022-05-25 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1651687870025-A8KDMJUQ4U5I857FTCUQ/JD+Surfing.jpg Blog (Old Layout) - Relevant Irreverence: On the front edge of retirement plan servicing - We can’t do better than this description of our friend J.D.: “J.D. Carlson was raised in the wild by a pack of 401(k) plan administrators and his first words were ‘annual defined contribution limit.’ Mr. Carlson (nobody calls him that) knows 401(k) inside and out. He has been involved in all areas of retirement plans from sales to day to day administration. He is the CEO-President of Plan Design Consultants, a Third Party Administration firm founded in 1975. In fact, when J.D. was four years old he gave his father the idea of starting a TPA shop and then went on to take over the reins some 30 years later.” https://www.massenaassociates.com/blog/best-practices-the-next-generation monthly 0.5 2022-05-26 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1651702772869-7X556J0FF4GGKL9TUNI3/nick-mercer-v0smCPnCisc-unsplash.jpg Blog (Old Layout) - The Next Generation - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/rsm-april-21 monthly 0.5 2022-04-30 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1649884097393-UVDUF5NK0SSUIWDOVHF9/04-header-CabinetMakers-Kitchen.jpg Blog (Old Layout) - Retirement Security Matters: April 21, 2022 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/israel-jordan-and-egypt-fresh-birds-eye-view monthly 0.5 2022-04-27 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1650391474383-WUZH0XEW7ITXPT2NIY3Q/IMG_3174.jpeg Blog (Old Layout) - Israel, Jordan and Egypt: a fresh bird’s eye view - Make it stand out Descending Mount Sinai - April 2022 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1650391639064-5IWW0IHO78TQXN73YCW9/Eye+of+Ra.png Blog (Old Layout) - Israel, Jordan and Egypt: a fresh bird’s eye view - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1650391899316-RD662N8BVKD9EV9R4G9X/unsplash-image-11-86dueCwM.jpg Blog (Old Layout) - Israel, Jordan and Egypt: a fresh bird’s eye view - Israel: Since our last visit (2016), Israel, like the rest of the world, has been dealing with the personal and economic trauma associated with COVID-19. The IMF has high praise for Israel’s handling of the pandemic, citing assertive vaccination campaigns, fiscal support for families, and a nice bounce by the tech sector in 2021. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1650393831038-5GZAA3NG62ZFFTJR4EP7/IMG_2392.jpeg Blog (Old Layout) - Israel, Jordan and Egypt: a fresh bird’s eye view - On the eve of Ramadan, we find ourselves in Nazareth, “the Arab capital of Israel”. The city sits across a set of hills that are part of the east-west Nazareth Range running along the lower Galilee. The topography amplifies music booming from schools on a hot afternoon in the busy city as its largely Muslim population prepares to enter the holy month. We’re sitting in a replica of a first millennia synagogue. The juxtaposition feels very close. Nazareth, April 2022 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1650393561543-6NUYNONDGOFFVXAMANRN/Courtyard+of+the+Western+Wall+-+Sabbath+April+1.png Blog (Old Layout) - Israel, Jordan and Egypt: a fresh bird’s eye view - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1650393657693-JMV3R50Q35W8W6I6XYYI/IMG_2556.jpeg Blog (Old Layout) - Israel, Jordan and Egypt: a fresh bird’s eye view - After a few days in the Old City, we’re back on the bus headed down Route 1 toward the crossing from Israel to Jordan. Our transition is made simpler by our fantastic Israeli guide – Rami Salfiti – whose LinkedIn is spartan, but whose knowledge of all things Israel and historical runs very deep. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1650394045614-OZCFG1RUUYXLP530457D/unsplash-image-D9lCSvUcErk.jpg Blog (Old Layout) - Israel, Jordan and Egypt: a fresh bird’s eye view - Jordan: Opposite us at the border, we’re immediately met by convoys of trucks bringing goods to or through Israel: cement, and maybe flour. Bags of things on pallets. The Hashemite Kingdom of Jordan is producing something that Israel is not. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1650394553951-W9LQ79O8MY1GYP31FR50/IMG_2857.jpeg Blog (Old Layout) - Israel, Jordan and Egypt: a fresh bird’s eye view - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1650394787074-2TYEX6CJ13QPKVMB77MF/IMG_2872.jpeg Blog (Old Layout) - Israel, Jordan and Egypt: a fresh bird’s eye view - We meet Ziyad’s brother at the world’s best-located open air snack bar and coffee salon, on an outcropping overlooking the other high places. We apologize for thoughtlessly drinking an espresso in front of the two men during Ramadan. They won’t be having anything, “not even water?” “not even water” – until the daily fast is broken in the evening. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1650394931850-5P00U21VWETJEDS4ZRS7/unsplash-image-J6qii_tDnOs.jpg Blog (Old Layout) - Israel, Jordan and Egypt: a fresh bird’s eye view - Egypt: We spend our first night in Dahab on the clear waters of the Red Sea, touted for its world-class snorkeling and diving. On the way down from the ferry we have passed miles and miles of brand new, unfinished-maybe-abandoned resort developments. “Pandemic,” says our new guide Max. But we’re wondering what catalyst got all this development going in the years just before the pandemic hit. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1650395160626-WFRTB9HKAIT7UT9SUM1A/IMG_3082.jpeg Blog (Old Layout) - Israel, Jordan and Egypt: a fresh bird’s eye view - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1650401473397-UE02MNRHEV46JGSXPFPI/IMG_3389.jpeg Blog (Old Layout) - Israel, Jordan and Egypt: a fresh bird’s eye view - We see with our own eyes the infrastructure works, and also the displacement of families formerly occupying the apartment houses sliced open to make way for the expanded highways. This growth is fascinating and unexpected and not without impact – positive and negative. https://www.massenaassociates.com/blog/be-our-guest-kathleen-kennedy-townsend monthly 0.5 2022-05-12 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1650410080970-H0Z0ZXT3WEG7S5CUU28B/KKT+BioPhoto.jpg Blog (Old Layout) - Be Our Guest: Kathleen Kennedy Townsend – On Retirement Security and Three Critical Policy Goals - Make it stand out The Honorable Kathleen Kennedy Townsend https://www.massenaassociates.com/blog/rsm-april-7 monthly 0.5 2022-04-13 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1649344913228-QUD9ZTAOBGSKHAMP0B9Q/03-header-Cabinet-installer.jpg Blog (Old Layout) - Retirement Security Matters: April 7, 2022 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/rsm-best-practices-culture-matters monthly 0.5 2022-05-04 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1648921779834-Z5C0OMIXFGD1K9QO9EYU/ruthie-a6mfMjCFkII-unsplash.jpg Blog (Old Layout) - Culture Matters - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/5-rooms-5-themes-part-two monthly 0.5 2022-04-07 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1649188004527-FOXUU31O8X7JYR10ZWX5/IMG_1747.jpeg Blog (Old Layout) - 5 Rooms, 5 Themes: Retirement Security and Other Things We’ve Just Heard - PART 2 - Make it stand out Get in the room! This room is NAST on March 14 at the Watergate. https://www.massenaassociates.com/blog/rsm-march-24 monthly 0.5 2022-04-06 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1648136885083-6I8YLW89PUT10HWOVYBP/02-header-BicycleDelivery.jpg Blog (Old Layout) - Retirement Security Matters: March 24, 2022 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/wide-open-futures monthly 0.5 2022-03-24 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1647618712789-NQXT5J46Z7IIZ9ROSWKS/Scott+Morrison_2019_headshot.jpg Blog (Old Layout) - Wide Open Futures. - I’ve spent most of my working career crafting purpose-built financial services platforms. One of the key attributes for the success of these efforts has been flexibility. I’ve followed guidelines of this type for these large-scale endeavors: · Don’t enter the planning effort with a preconceived solution Listen to what your customers are trying to solve, and then consider the how Don’t assume that the solution you initially launch will be the final solution Understand that you will need to adapt to future challenges Tyler Bond, Research Manager, National Institute for Retirement Security https://www.massenaassociates.com/blog/5-rooms-5-themes-retirement-security-in-the-spotlight monthly 0.5 2022-04-05 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1648005626501-TGSS5VC7KBA0N0AVKWSX/IMG_1610.jpeg Blog (Old Layout) - 5 Rooms, 5 Themes: Retirement Security and other Hot Topics in the Spotlight - Make it stand out One room: the DCIIA Innovation Forum, Charlotte, North Carolina - March 2022 https://www.massenaassociates.com/blog/rsm-march-10 monthly 0.5 2022-03-24 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1646934619341-UOOQDBGR32617VJXR4TE/01-header-Baker+with+Cupcakes.jpg Blog (Old Layout) - Retirement Security Matters: March 10, 2022 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/how-do-we-build-what-people-need-today monthly 0.5 2022-03-18 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1646930952986-R0BZTP3H2YWY3GSW2WHR/Schumm+Mar+10.jpg Blog (Old Layout) - How Do We Build What People Need Today: Top Ideas from Vestwell’s Aaron Schumm - We first met Aaron Schumm in the rooms where nerdy people talk about the future of retirement savings, and how it might be made better, faster. As a private sector expert he is, of course, anything but nerdy. Aaron is the founder and CEO of Vestwell, “a modern engine powering savings and investment programs for small businesses and individual savers.” Vestwell’s focuses on solutions that help people save for retirement, education, and healthcare. The company currently serves nearly 25,000 small businesses, more than a million savers, and $25 billion in assets across the 50 states. We get to use the word “blockchain” in this conversation, which pleased us to no end. Alert! Tech ahead. Tyler Bond, Research Manager, National Institute for Retirement Security https://www.massenaassociates.com/blog/employer-buy-in-six-ways monthly 0.5 2022-03-10 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1646606769998-XO7AI4OFIKOBEO1HVD8Z/markus-winkler-afW1hht0NSs-unsplash.jpg Blog (Old Layout) - Six Ways to Create Employer Buy-in – It Matters! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/rsmfeb24-2022 monthly 0.5 2022-03-10 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1644948550366-1ZETFTKFE30ZG7ZNLAV3/20-header-Woman-Carpenter.jpg Blog (Old Layout) - Retirement Security Matters: February 24, 2022 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/generations-serving-generations monthly 0.5 2022-03-08 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1645633481956-1D9EMX7PPJ9YUG00WJZ5/Alice+Tang+National+Speaker.jpg Blog (Old Layout) - Alice Tang, Advisor: Generations Serving Generations - If you know Alice, you love Alice. She will push you and make you better, gently and yet very firmly. Alice Tang started her financial advisory career in 2000, helping clients define their relationship with money and move toward achieving financial freedom using her financial planning process and leveraging tax-advantaged strategies. Many of her clients are female business owners and executives. Alice is also a powerhouse presenter using stories, experience, and a passion for everything she does to engage and enlighten her audiences. We like her take on inclusion, financial access, retirement saving, and personal success. Tyler Bond, Research Manager, National Institute for Retirement Security https://www.massenaassociates.com/blog/latham-five-ideas-for-2022 monthly 0.5 2022-03-11 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1645659325953-HVMH5AC68FCJ2W80R78G/Latham+Pic.png Blog (Old Layout) - Five Ideas to Get your Committee Organized for the Year Ahead - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/rsmfeb10-2022 monthly 0.5 2022-05-04 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1644516046337-Q2LA0DII2UHHMKVPHS3C/19-header-Woman_CarpentryShop_Owner.jpg Blog (Old Layout) - Retirement Security Matters: February 10, 2022 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/fresh-perspectives-on-savings-and-impact monthly 0.5 2022-02-23 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1644248635643-NUEV0XPNXOEYM9C89FOE/Garrity+Feb+10.jpg Blog (Old Layout) - Pennsylvania’s Treasurer Stacy Garrity: Fresh perspectives on savings and impact - As the 78th Treasurer of the Commonwealth of Pennsylvania, businesswoman and retired, decorated, U.S. Army Reserve Colonel Stacy Garrity is focused on transparency, cutting waste and fees, returning more than $4 billion in unclaimed property to its rightful owners, and making education affordable for Pennsylvanians. Is there a link between her Army service and her priorities as Treasurer? We see several. We appreciate Treasurer Garrity’s blend of pragmatism, enthusiasm, and dare we say BLUF-ability. You know, Bottom Line Up Front. With the bottom line in mind, here’s the Treasurer’s perspectives on financial and retirement security in the Commonwealth. Tyler Bond, Research Manager, National Institute for Retirement Security https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1644249367660-DN4FD033BGAEU8V4ZER9/Garrity+Chart+Feb+10.png Blog (Old Layout) - Pennsylvania’s Treasurer Stacy Garrity: Fresh perspectives on savings and impact Here’s something you might like to see. We did some side by side comparisons. In the first, we list the responsibilities of employers establishing retirement plans vs. facilitating Keystone Saves. You see that if you're an employer and you have to set up a retirement plan, it's pretty challenging and costly, especially if you only have a few employees. On the other hand, with Keystone Saves you only have to upload your list of participating employees to the administrator and process the payroll deduction. Anything else is handled by Treasury and our private sector partner. That makes it very easy for employers. https://www.massenaassociates.com/blog/teambuilding monthly 0.5 2022-02-23 https://www.massenaassociates.com/blog/rsm-jan27-2022 monthly 0.5 2022-02-23 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1643297658523-TH3VX543JXFU87K57PVF/18-header-Welder.jpg Blog (Old Layout) - Retirement Security Matters: January 27, 2022 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/retirement-linked-emergency-savings monthly 0.5 2022-02-07 https://www.massenaassociates.com/blog/cits-lets-get-more-for-less monthly 0.5 2022-02-07 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1643053317847-WXGDH617OIQ357UOWTE8/Angela+Montez+Headshot.png Blog (Old Layout) - Let’s get more for less: a fresh look at CITs - We first met the insightful Angela Montez in 2019 as she was exploring and leaning into the retirement security space. Not surprisingly, she’s here with a great idea that Auto IRA and 403(b) afficionados may find both interesting and timely. Angela currently serves as a Special Counsel at Eversheds Sutherland (US) LLP, where she focuses her practice on retirement and investment policy and products, including ERISA and related federal tax and securities law issues and collective investment trust matters. (Everyone knows we love attorneys.) Angela brings more than 25 years of experience successfully serving as a key legal advisor in the financial services industry. Tyler Bond, Research Manager, National Institute for Retirement Security https://www.massenaassociates.com/blog/rsm-jan13-2022 monthly 0.5 2022-01-27 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1642094031643-EKY5Z9SEVNPK0OVVRFL1/17-header-Waitress_withMask.jpg Blog (Old Layout) - Retirement Security Matters: January 13, 2022 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/speedofgovernment monthly 0.5 2022-02-10 https://www.massenaassociates.com/blog/no-silver-lining-lets-look-again monthly 0.5 2022-01-24 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1642014370604-MSG22T378LD3Z1INJYMG/Welks+Headshot.jpg Blog (Old Layout) - No Silver Lining? Let’s Look Again. - Keith Welks is Senior Advisor to the State Treasurer in the Pennsylvania Treasury Department. In this role he is working on several discrete projects, including the Keystone Saves retirement initiative championed by State Treasurer Stacy Garrity and enhancements to the Department’s unemployment insurance benefits disbursement platform. During his tenure at Treasury, Keith helped develop some of the ideas included in proposed legislation for Keystone Saves and identified investment opportunities for Treasury related to green and clean technologies. Tyler Bond, Research Manager, National Institute for Retirement Security https://www.massenaassociates.com/blog/rsm-dec30-2021 monthly 0.5 2022-01-13 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1640886291416-VFE312EYNJABNRVYRN9Y/16-header-TextileWorkers.jpg Blog (Old Layout) - Retirement Security Matters: December 30, 2021 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/rsm-dec16-2021 monthly 0.5 2021-12-30 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1639675791833-E038XPN1L8N1QTCW5OWL/15-header-TattooArtist.jpg Blog (Old Layout) - Retirement Security Matters: December 16, 2021 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/three-little-ps monthly 0.5 2022-01-08 https://www.massenaassociates.com/blog/longevity-pools monthly 0.5 2021-12-30 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1639612490132-5FLYQ0EG9N7ALD6BRP0R/Image+online.png Blog (Old Layout) - Cha-cha-cha Me a Tontine Please: Or, just throw me in the longevity pool - Nothing beats a dynamic duo when it’s time to tackle retirement income and risk sharing! We love our conversation with Richard Fullmer and Manuel Garcia-Huitron, co-founders of Nuovalo. Do you like retirement income? We do! But sorting it out is tricky. So what if you maximized your payout by pooling your longevity risk with other people and someone else figured out how much you should be paid every year? Enter Fullmer and Garcia. Their firm delivers mezzanine-level computational software and services to asset managers and funds who want to provide these services to their retirees. This is new. Let’s go a little deeper. Tyler Bond, Research Manager, National Institute for Retirement Security https://www.massenaassociates.com/blog/rsm-dec2-2021 monthly 0.5 2021-12-16 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1638467989441-MNML4MOWMFI9FIPMJLJ2/14-header-Seamstress-Sewing.jpg Blog (Old Layout) - Retirement Security Matters: December 2, 2021 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/common-wealth-for-commonwealth monthly 0.5 2021-12-15 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1638455847565-81J26KX8XTTY7ZZ59BMM/Picture1.jpg Blog (Old Layout) - Common Wealth for the Commonwealth: Increasing Savings Accessibility in Virginia - We met Mary Morris when a retirement savings program was still a twinkle in Virginia’s eye. Now, under her leadership, the state is moving steadily forward with a program that could cover more than 1.2 million workers who until now have not had payroll-based access to retirement savings. As CEO of the nation’s largest 529 College Savings Plan, Virginia529, Mary directs and manages the operations, resources, and investments of the Invest529® program. Additionally, she oversees all operations for ABLEnow®, the leading independent ABLE savings program in the country, while serving as a national thought leader and policy advocate for the education and disability savings industries. Tyler Bond, Research Manager, National Institute for Retirement Security https://www.massenaassociates.com/blog/grants-go-tos-2021-the-year-in-review monthly 0.5 2021-12-02 https://www.massenaassociates.com/blog/rsm-nov18-2021 monthly 0.5 2021-12-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1637255981196-V1E40AAKJPQ0PKHB7TAJ/13-header-RestaurantWorkers.jpg Blog (Old Layout) - Retirement Security Matters: November 18, 2021 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/retirement-security-meets-diversity monthly 0.5 2021-12-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1637254289812-KQI6SQ00R54VZU5YG2OC/Hunter+Railey+-+Edit.jpg Blog (Old Layout) - Cool in Colorado: Retirement Security Meets Diversity, What Next? - Hunter Railey is a passionate and accomplished advocate for small business and retirement readiness. Today, we’re talking with Hunter about his experience so far bringing Colorado’s pioneering state-run savings plan from the idea stage to implementation. There are lessons here for all of us about promoting financial security across the unexpectedly diverse population of the Centennial state and beyond. Tyler Bond, Research Manager, National Institute for Retirement Security https://www.massenaassociates.com/blog/go-the-extra-mile monthly 0.5 2021-12-11 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1637256290375-3ALHL8VVUUNT5N70WQNV/antenna-cw-cj_nFa14-unsplash.jpg Blog (Old Layout) - Going the Literal Extra Mile - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/rsm-nov4-2021 monthly 0.5 2021-11-18 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1636038706454-L8KZ59TZ2IL9J3X6ICSV/12-header-NailSalon-Technician.jpg Blog (Old Layout) - Retirement Security Matters: November 4, 2021 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/financial-asset-ownership monthly 0.5 2021-11-16 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1636036133780-CUEFNN0XGXAI1C0TLOB6/Tyler+Bond+NIRS.jpg Blog (Old Layout) - Financial Asset Ownership: Only for the Wealthy? - Our friend Tyler Bond is an accomplished advocate and researcher with experience working for political campaigns, advocacy organizations, think tanks, and on Capitol Hill. His professional focus is retirement, specifically, and economic policy, broadly. His writing has been featured in outlets such as The Hill, MarketWatch, and the Huffington Post and he has been quoted in various outlets including Barron's and The Financial Times … and Retirement Security Matters. Here we go deep on financial asset ownership – who’s got it, and who does not – and policy ideas that could make a difference. If you like data, this piece is for you! Tyler Bond, Research Manager, National Institute for Retirement Security https://www.massenaassociates.com/blog/grants-go-tos-the-latest-studies-and-reports-on-the-state-of-retirement-security monthly 0.5 2021-11-08 https://www.massenaassociates.com/blog/rsm-oct21-2021 monthly 0.5 2021-11-04 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1634829328088-2JL2P0WW2LPQGKSNH554/11-header-Man-in-Workshop.jpg Blog (Old Layout) - Retirement Security Matters: October 21, 2021 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/advertising-tactics monthly 0.5 2021-11-18 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1637257402273-ITOXMWM9JBMKFZ5KRCI9/tom-dillon-4u2FS6dm0EM-unsplash.jpg Blog (Old Layout) - Advertising: So Many Ways to Spend All Your Money - I once began a conversation with a marketing firm by asking, “Where should we advertise to get the best bang for our buck?” Being a marketing firm, they answered the question with their own question, “How much money do you have?” https://www.massenaassociates.com/blog/cool-things-you-might-not-know monthly 0.5 2021-11-01 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1634578857943-59C1K2OGRIU3M8WUXSY3/Michael+Kreps.jpeg Blog (Old Layout) - Michael Kreps of Groom Law: Cool Things You Might Not Know - Make it stand out Michael Kreps of Groom Law https://www.massenaassociates.com/blog/rsm-oct-7-2021-khb2c monthly 0.5 2021-10-21 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1633624470685-I1O3LEF9NI95DGI6X9VV/10-header-hairdresser.jpg Blog (Old Layout) - Retirement Security Matters: October 7, 2021 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/ggt-lessons-learned-oregon-nyc monthly 0.5 2021-10-07 https://www.massenaassociates.com/blog/rsm-sep-9-2021 monthly 0.5 2021-11-08 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1631199255610-ADX009LDSOE3J46FF6AJ/09-header-FurnitureMaker.jpg Blog (Old Layout) - Retirement Security Matters: September 9, 2021 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/esg-is-values-aligned-investing-attracting-younger-savers monthly 0.5 2021-10-07 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1631106739344-ISSGLPHOHO12Z54GZ1DM/Together.png Blog (Old Layout) - ESG: Is Values-Aligned Investing Attracting Younger Savers? - Make it stand out Kevin Sullivan, CFA, CAIA and Andrew Parry, Newton Investment Management https://www.massenaassociates.com/blog/lets-all-innovate-together monthly 0.5 2021-11-18 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1637257102114-7HTZNJ1XOKMBRWZUETCM/markus-winkler-aYPtEknQmXE-unsplash.jpg Blog (Old Layout) - Let’s All Innovate Together! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/rsm-aug-26-2021 monthly 0.5 2021-10-14 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1629987667938-R9UUQV9QU1L2KW98PARJ/08-header-FoodTruck.jpg Blog (Old Layout) - Retirement Security Matters: August 26, 2021 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/the-accidental-plan-sponsor-and-the-evolving-future-of-retirement monthly 0.5 2021-09-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1629987040381-W6AYL5M1PHA8PEHRVPFA/Josh+Cohen.png Blog (Old Layout) - The Accidental Plan Sponsor— and the evolving future of retirement - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/grants-go-tosschools-back-in-session-considering-how-state-retirement-savings-initiatives-lessons-learned-are-shared monthly 0.5 2021-10-03 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1629074666472-ESI33K6GN4061U2QMWPS/GT+CRI+picture.png Blog (Old Layout) - Grant’s Go-To’s: School’s Back in Session – How states share “Lessons Learned” - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/rsm-aug-12-2021 monthly 0.5 2021-10-14 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1628701103722-6FC9VBYWQDDH099YKRNE/07-header-FoodDelivery.jpg Blog (Old Layout) - Retirement Security Matters: August 12, 2021 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/engagement-sparks-change-investment-stewardship-moves-to-the-front-burner monthly 0.5 2021-10-14 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1628745907378-WG9A8CKOJO4FRITTVS04/ME+TL+Pic.png Blog (Old Layout) - Engagement Sparks Change: Investment Stewardship moves to the front burner - We met Michelle Edkins, Managing Director, BlackRock, when a friend put a bug in our ear about the important work she is doing. In fact we found that this work hits very close to home for us as long term (retirement) savers and investors. Michelle is responsible globally for institutional relations, stewardship-related policy issues, and communications related to BlackRock’s investment stewardship perspectives and activities as part of BlackRock's Investment Stewardship team of about 70 specialists covering most of the world. She also grows a mean tomato. https://www.massenaassociates.com/blog/if-you-build-it-will-they-come monthly 0.5 2021-10-15 https://www.massenaassociates.com/blog/rsm-jul29-2021 monthly 0.5 2021-10-14 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1626355952447-1S4VAHG15LJ64T5C6HF5/05-header-Carpenter.jpg Blog (Old Layout) - Retirement Security Matters: July 29, 2021 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/best-practices-whats-new monthly 0.5 2021-10-11 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1627510356530-8HRZNKW2ORC6FQASZA04/AF_headshot.jpg Blog (Old Layout) - Best Practices: What’s New in the Private Sector Space - Make it stand out Anna Fang, Senior Analyst, Cerulli Associates https://www.massenaassociates.com/blog/ggt-the-cost-of-health-care monthly 0.5 2021-09-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1627534112082-76EUU3WIMJ19U5RP2UPU/ret+healt+care.png Blog (Old Layout) - Grant’s Go-To’s: The Cost of Health Care – Another Reason to Save - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/rsm-jul-15-2021 monthly 0.5 2021-10-14 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1626355952447-1S4VAHG15LJ64T5C6HF5/05-header-Carpenter.jpg Blog (Old Layout) - Retirement Security Matters: July 15, 2021 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/illustrious-illinois-three-years-in monthly 0.5 2021-09-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1626277352772-U3PHWNINA4EVEEAQHWWA/courtney.png Blog (Old Layout) - Illustrious Illinois: Three Years In, Expanding Access - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/but-does-it-actually-work monthly 0.5 2021-09-02 https://www.massenaassociates.com/blog/rsm-jul-1-2021 monthly 0.5 2021-10-14 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1625155836504-BRZSPPIYOKIJJ628ZCRY/04-header-CabinetMakers-Kitchen.jpg Blog (Old Layout) - Retirement Security Matters: July 1, 2021 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/getting-creative-with-stakeholder-engagement monthly 0.5 2021-09-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1625150210907-MZC0N9HZXVF4YCPLDIZH/joelm.jpg Blog (Old Layout) - Getting Creative with Stakeholder Engagement - Joel Metlen is a pioneer of the state facilitated retirement savings space, joining OregonSaves in September of 2016. That was just after the program had issued its administrative services RFP, and nine months before the targeted go-live date of July 1, 2017. We talk here about Joel’s experience and thinking about engagement. https://www.massenaassociates.com/blog/grants-go-tos-mid-year-update-on-the-state-of-states monthly 0.5 2021-09-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1625102211616-0FBPXD4R0415YF62AG4E/graph+3.png Blog (Old Layout) - Grant’s Go-To’s: Mid-year State of the States - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/rsm-jun-17-2021 monthly 0.5 2021-10-14 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1623952036762-G729ISKUOTHGGX94APEA/03-header-Cabinet-installer.jpg Blog (Old Layout) - Retirement Security Matters: June 17, 2021 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/yah-mon-jamaica-innovates-in-retirement-security monthly 0.5 2021-09-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1623817853465-JY97N1YACCQJ61VHLE4S/Sanya+%281%29.jpg Blog (Old Layout) - Yah Mon! Jamaica Innovates in Retirement Security - Make it stand out Sanya Goffe, Attorney at Law and Partner, Hart Muirhead Fatta https://www.massenaassociates.com/blog/ggt-the-cost-of-doing-nothing monthly 0.5 2021-09-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1623883229451-6U16GJANO5R6P29R7UY2/Boyken_Grant_Crop_2020+-+Copy.jpg Blog (Old Layout) - Grant’s Go-To’s: What is the Cost of Doing Nothing? In the last “Go-To” I wrote about the start-up costs of state-facilitated retirement savings programs (SFRPs). This time I thought I’d flip the cost question upside down and ask: what are the costs of not doing anything to make it easier for workers to save for retirement? https://www.massenaassociates.com/blog/rsm-jun-3-2021 monthly 0.5 2021-10-14 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1622754835979-V4OYL5Y7AHWFA6LPZPDX/02-header-BicycleDelivery.jpg Blog (Old Layout) - Retirement Security Matters: June 3, 2021 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/auto-enroll-3-5-7-whats-optimal monthly 0.5 2021-09-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1622686860659-5GFDANGCSCHRMA69UNKF/Mingli+Zhong.png Blog (Old Layout) - Auto Enroll: 3%, 5%, 7% – What’s Optimal? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.massenaassociates.com/blog/estimating-program-costs monthly 0.5 2021-09-02 https://www.massenaassociates.com/blog/rsm-may-20-2021-lr76e monthly 0.5 2021-10-14 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1621545569449-8LZ69IIU7CFDSNH015PM/01-header-Baker+with+Cupcakes.jpg Blog (Old Layout) - Retirement Security Matters: May 20, 2021 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/turning-negative-elections-into-automatic monthly 0.5 2021-09-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1621461966575-YSUCWLPXRJXV2JNSXJ6M/AP_120425050206+%28002%29.jpg Blog (Old Layout) - Turning ‘Negative Elections’ into Automatic!: a true story - Make it stand out J. Mark Iwry, Nonresident Senior Fellow, The Brookings Institution https://www.massenaassociates.com/blog/grants-go-tos-sfrp-pandemic-withdrawals monthly 0.5 2021-09-02 https://www.massenaassociates.com/blog/rsm-april-22-2021 monthly 0.5 2021-05-20 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1619025098172-Z1U6X2WD306K1KIOK60J/header-restaurant-manager.jpg Blog (Old Layout) - Retirement Security Matters: April 22, 2021 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/the-ara-on-coverage monthly 0.5 2021-09-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1619013340746-SUPLIQXUTR15ZV3Q9EYV/A+Remo+2021.4.png Blog (Old Layout) - The ARA on Coverage: Let’s Get More Employers into the Retirement System Andrew Remo, Director of Legislative Affairs, American Retirement Association https://www.massenaassociates.com/blog/grants-go-tos-what-should-we-make-of-early-withdrawal-options-in-sfrps monthly 0.5 2021-09-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1619012245843-H16FRSCRICSZXUIN3FKI/bill-money-cash-withdraw-vector-10308238.jpg Blog (Old Layout) - Grant’s Go-To’s: What Should We Make of Early Withdrawal Options in SFRP’s? - “only 23 percent of people with annual incomes of $20,000 or less, and only one-third of people with annual incomes of $20,000 to $30,000 said they would be able to come up with $2,000 in 30 days if an emergency arose.” https://www.massenaassociates.com/blog/rsm-april-8-2021 monthly 0.5 2021-04-21 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1617893816266-L4LH3V3M258DVP1O8MBI/header-mechanic.jpg Blog (Old Layout) - Retirement Security Matters: April 8, 2021 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/auto-iras-and-employers-whats-the-skinny monthly 0.5 2021-09-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1617820629031-PAR2MLS5N53M55S9R3N6/Shelton+jpg.jpg Blog (Old Layout) - Auto IRAs and Employers: What’s the Skinny? - Alison Shelton has researched and spoken about retirement security for two decades. Ms. Shelton previously worked at AARP’s Public Policy Institute, at the Congressional Research Service, and in the domestic and international divisions of the U.S. Treasury Department. Whew! She is a graduate of Smith College and the Wharton School of the University of Pennsylvania. https://www.massenaassociates.com/blog/grants-go-tos-how-will-sfrps-shape-the-retirement-savings-marketplace monthly 0.5 2021-09-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1617821826566-QXX2Y64N2FAS9NEUC9RT/unsplash-image-XYavU5BGF9o.jpg Blog (Old Layout) - Grant’s Go-To’s: How Will SFRP’s Shape the Retirement Savings Marketplace? What does it mean to provide expanded retirement coverage in the US - and who should do it? https://www.massenaassociates.com/blog/portability-on-steroids-lets-see-it-part-two monthly 0.5 2021-09-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1617819391296-QSN6M2GPIC21ZFA4F1LL/Spencer+Williams+-+3.png Blog (Old Layout) - Portability on Steroids: Let’s See It! – Part Two - If you know Spencer Williams, you know he has boundless energy and an invariably positive attitude. He’s also Retirement Clearinghouse’s Founder, President and CEO. In their own words, Retirement Clearinghouse is a specialized provider of portability and consolidation services for America’s mobile workforce and has helped guide more than 1.6 million job-changing participants, over 30,000 plans and $24 billion in assets during Williams’ 14 year tenure with the company. You’ll see why this matters in a few minutes. J. Spencer Williams, Founder and CEO of Retirement Clearinghouse https://www.massenaassociates.com/blog/portability-on-steroids-lets-see-it-part-one monthly 0.5 2021-09-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1617819231823-YNSS5I63MXF6YFIOKS5R/Spencer+Williams+-1.png Blog (Old Layout) - Portability on Steroids: Let’s See It! J. Spencer Williams, Founder and CEO, Retirement Clearinghouse https://www.massenaassociates.com/blog/rsm-march-25-2021 monthly 0.5 2021-04-08 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1616688557920-0SB8Y15D4F4WP488SPPV/header-Hairstylist.jpg Blog (Old Layout) - Retirement Security Matters: March 25, 2021 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/rally-around-retirement-security monthly 0.5 2021-10-08 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1616650615903-F42AZB441WS6E1O49F8C/Godlewski8R_300ppi_sRGB.JPG Blog (Old Layout) - Rally Around Retirement Security! - We talk this week with a 5th generation Wisconsinite, small business owner, proud Green Bay Packers shareholder, and financial expert from Eau Claire, WI – state treasurer Sarah Godlewski. When we last spoke, the Treasurer was on a mission to understand retirement and financial security in the state. We tracked her down to hear the results, and the Task Force’s recommendations. Always a person of action, the Treasurer gives us – and you – the scoop, here. https://www.massenaassociates.com/blog/georgetown-on-my-mind-sweet-retirement-success monthly 0.5 2021-04-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1616648928524-Y9W7Z721WMJJDNZ68XC9/AA+intro.png Blog (Old Layout) - Georgetown on My Mind: Sweet Retirement Success https://www.massenaassociates.com/blog/grants-go-tos-sfrps-aim-at-target-date-funds monthly 0.5 2021-09-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1616035730048-G0FQLP7WE91DK72YUXAE/Invo+options+1.png Blog (Old Layout) - Grant’s Go-To’s: SFRP’s Aim at Target Date Funds as Default Investment Option https://www.massenaassociates.com/blog/rsm-march-11-2021 monthly 0.5 2021-03-25 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1615494475446-7QYG4VB1M1M8ABDY35XG/header-eamstresses.jpg Blog (Old Layout) - Retirement Security Matters: March 11, 2021 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/grants-go-tos-automatic-features monthly 0.5 2021-09-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1615066130552-WZAW87AIBVBY0K7U2WY2/autofeatures+table.png Blog (Old Layout) - Grant’s Go-To’s: Automatic Enrollment and Escalation https://www.massenaassociates.com/blog/overcoming-barriers-whats-working-now monthly 0.5 2021-04-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1615428625908-ZC4ZFO7JY23BXXMFCSZ6/John+Scott.png Blog (Old Layout) - Overcoming Barriers: What’s Working Now, What We Need Next John Scott, Director, Retirement Savings Project, the Pew Charitable Trusts https://www.massenaassociates.com/blog/rsm-february-25-2021 monthly 0.5 2021-03-03 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1613163628451-GYK049L6F8SKTF6HGMVX/header-Barber.jpg Blog (Old Layout) - Retirement Security Matters: February 25, 2021 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/illinois-secure-choice-two-years-young monthly 0.5 2021-04-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1614211392495-PWS5Y2SB14LZDUV44WZT/Frerichs+for+Blog.png Blog (Old Layout) - Illinois Secure Choice: Two Years Young https://www.massenaassociates.com/blog/grants-go-tos-considering-the-employer-mandate monthly 0.5 2021-09-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1614229323542-9H49TRUURJRM2H7I1YRX/deadline1.png Blog (Old Layout) - Grant’s Go-To’s: Considering the Employer Mandate https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1614229358837-7ZISDM9C3EIH6EK62QH7/deadline2.png Blog (Old Layout) - Grant’s Go-To’s: Considering the Employer Mandate https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1614229383992-HULWY69T2GCINGEGAIN2/deadline3.png Blog (Old Layout) - Grant’s Go-To’s: Considering the Employer Mandate https://www.massenaassociates.com/blog/rsm-january-28-2021-2k4t5 monthly 0.5 2021-02-25 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1613163628451-GYK049L6F8SKTF6HGMVX/header-Barber.jpg Blog (Old Layout) - Retirement Security Matters: February 11, 2021 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/grants-gotos-big-design-decisions-models monthly 0.5 2021-09-02 https://www.massenaassociates.com/blog/the-first-fifteen-years-auto-iras monthly 0.5 2021-04-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1612973467306-PSM9DV93DLLHS38NONDG/david-john-photo.jpg Blog (Old Layout) - The First Fifteen Years: Time Flies for Auto IRAs - Smart experts have done a lot of deep creative thinking about the topic of retirement coverage and related financial security here in the US. One of those experts is David John, Senior Strategic Policy Advisor for AARP’s Public Policy Institute and Non-Resident Senior Fellow and Deputy Director for the Retirement Security Project of the Brookings Institution. If you know David, you know what a thoughtful, self-deprecating, and funny guy he is. Our timing for this chat was excellent, as you’re about to see. https://www.massenaassociates.com/blog/rsm-january-28-2021 monthly 0.5 2021-02-12 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1612476200858-PVYZZR8IS4V2J9SRLAB8/JAN+28+21+FOR+WEB-page-001+%281%29.jpg Blog (Old Layout) - Retirement Security Matters: January 28, 2021 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/the-old-mongoose monthly 0.5 2021-09-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1611791073374-NRA036EU512THE019KP0/Mongoose+Fam.jpeg Blog (Old Layout) - The Old Mongoose Greenlake, Washington, circa 1970. https://www.massenaassociates.com/blog/grants-gotos-mining-2020-defined-contribution-surveys monthly 0.5 2021-09-02 https://www.massenaassociates.com/blog/save-early-retire-early monthly 0.5 2021-04-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1611782551845-H4CISYOXPWYY8LYEUGUW/Peg+Header.png Blog (Old Layout) - Save Early. Retire Early! - Trained as an engineer, Peg Creonte joined Ascensus as a platform analyst in 2004. Over a 10-year period, Peg advanced to more senior roles, leading systems analysis and platforms for the company’s 529 college savings plans. In 2014, she accepted a role as SVP of Business Development for Ascensus Government Savings, and in April 2020 she was promoted to president of the Government Savings line of business. When we first met Peg, we were impressed by her ability to think in detail across the critical arenas of technology, financials, and user experience. And her team’s pragmatism. Read on! https://www.massenaassociates.com/blog/rsm-january-14-2021 monthly 0.5 2021-02-12 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1612475217202-CJ5CR0PZIMWIQXPV8D5M/jan+14+21+for+web-page-001+%282%29.jpg Blog (Old Layout) - Retirement Security Matters: January 14, 2021 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/mission-prosperity-intuit-duo-dishes monthly 0.5 2021-04-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1610644198934-N128ISMGXQVHTS58TVDB/Intuit+-2021.1.jpg Blog (Old Layout) - Mission: Prosperity – Intuit Duo Dishes! https://www.massenaassociates.com/blog/grants-best-practices-industry-trends-in-equality monthly 0.5 2021-09-02 https://www.massenaassociates.com/blog/rsm-december-31-2020 monthly 0.5 2021-02-12 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1611085705133-HSHMNJ7FLQDF5QJ95W01/Dec+31+for+web-page-001.jpg Blog (Old Layout) - Retirement Security Matters: December 31, 2020 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/oregonsaves-three-years-young monthly 0.5 2021-04-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1609282265225-U5AUBYUD2V1EHXK0052R/2018+TJR+Headshot.jpg Blog (Old Layout) - OregonSaves: Three Years Young - In 2015, then-state legislator Tobias Read was the lead sponsor for House Bill 2960, proposing creation of a statewide savings program for workers whose employers don’t offer retirement plans. The bill passed and was signed into law that June. In 2016 Read was elected State Treasurer, and in 2017 it was his pleasure to oversee the program’s start, as OregonSaves accepted first contributions from employees. https://www.massenaassociates.com/blog/grants-best-practices-state-of-retirement-usa-2020 monthly 0.5 2021-09-02 https://www.massenaassociates.com/blog/hi-kayleigh monthly 0.5 2021-04-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1609285339202-Y3HINENHJ8L1ZA0X807J/KP.jpg Blog (Old Layout) - Hi Kayleigh! https://www.massenaassociates.com/blog/rsm-december-17-2020 monthly 0.5 2021-02-12 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1610486460290-U7SLZF18FRAEZMOUO3FZ/Dec+17+for+web-page-013.jpg Blog (Old Layout) - Retirement Security Matters: December 17, 2020 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/retirement-micro-and-macro monthly 0.5 2021-04-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1608149974187-NVBKUBJTZKWMHYDS8LDU/DAVIS_Michael.jpg Blog (Old Layout) - Retirement Micro and Macro - Thinking Big While Minding the Details We talk with Michael Davis of T. Rowe Price about - maybe - the most important issues on the planet: financial wellness and security, race and financial services, ESG, and family. It’s long form, get your cuppa and read on. https://www.massenaassociates.com/blog/grants-best-practices-resources-galore-2020 monthly 0.5 2021-09-02 https://www.massenaassociates.com/blog/rsm-december-3-2020 monthly 0.5 2021-02-12 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1608567299817-W3T85SHA381L8NCVD8PS/DEC%2B3%2B12%2B21-page-012.jpg Blog (Old Layout) - Retirement Security Matters: December 3, 2020 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/fat-city-or-not-quite-ready monthly 0.5 2021-04-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1606847854484-QAXL076BVQJNN7C7JRN1/Morse_David.jpg Blog (Old Layout) - Fat City – or Not Quite Ready? - We want to subtitle this one: We’re from the DOL and we’re here to help. Let’s face it – “Lifetime Income Disclosures” does not a sexy title make. But the DOL’s new rule is important. We never want the perfect to be the enemy of the good. David Morse, Partner with law firm K&L Gates helps us think through the strengths and weaknesses of what retirement savers will see when they get their first disclosures. Along the way he talks about universal workplace savings, retirement savings “lost and found”, and his mother ❤. Read on! https://www.massenaassociates.com/blog/grants-best-practices-patience-perseverance-perspective monthly 0.5 2021-09-02 https://www.massenaassociates.com/blog/november-19-2020 monthly 0.5 2020-12-30 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1607377022789-MHBVMCC9NPBLZXRSA1TV/Nov%2B19-page-001.jpg Blog (Old Layout) - Retirement Security Matters: November 19, 2020 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/grants-best-practices-listening-to-stakeholders monthly 0.5 2021-09-02 https://www.massenaassociates.com/blog/resource-page monthly 0.5 2020-11-20 https://www.massenaassociates.com/blog/rsm-november-5-2020 monthly 0.5 2021-02-12 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1607376413729-C2WL0H67W3707Q07XV2T/nov%2B5-page-001.jpg Blog (Old Layout) - Retirement Security Matters: November 5, 2020 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/retirement-security-nirs-dan-doonan-on-whats-new monthly 0.5 2021-04-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1604541399544-062LZNZMNEVXIY1D99WO/Dan+NIRS-4641%281%29.jpg Blog (Old Layout) - Retirement Security: NIRS’ Dan Doonan on What’s New - NIRS – the National Institute on Retirement Security -- is a nonprofit, nonpartisan research and education organization dedicated to retirement security. NIRS continuously produces insightful research and is shifting to look closely at some new areas, including costs associated with life in retirement. We talk with Executive Director Dan Doonan about some of what he’s learned in 2020, and Dan shares four fresh pieces of research with us. Four! https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1604542377119-WQSGYLRICY3LTJ0SZTA3/2020.11.5.png Blog (Old Layout) - Retirement Security: NIRS’ Dan Doonan on What’s New https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1604546964196-UQADYIAFIJESENX4QH6M/COVID+Silver+Lining_Cheddar.jpg Blog (Old Layout) - Retirement Security: NIRS’ Dan Doonan on What’s New - Cheddar! Cheddar! #pandemicpup #silverlining https://www.massenaassociates.com/blog/grants-best-practices-managing-the-message monthly 0.5 2021-09-02 https://www.massenaassociates.com/blog/rsm-october-22-2020 monthly 0.5 2021-02-12 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1607375419589-XBMD8MQ0W2904XYCJIX1/OCT%2B22%2B10%2B27-page-001.jpg Blog (Old Layout) - Retirement Security Matters: October 22, 2020 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/measuring-retirement-alicia-munnell monthly 0.5 2021-04-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1603325282680-MV7HRJVFTB0KLEZBCQ6L/Alicia+H.+Munnell_300+dpi.jpg Blog (Old Layout) - Measuring Retirement: </strong>Taking Aim at Secure and Comfortable Alicia Munnell, Director, Boston College’s Center for Retirement Research https://www.massenaassociates.com/blog/mindful-about-meps-troy-tisue monthly 0.5 2021-04-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1603315958856-JND7RTVBSMJLX40B50SE/Troy+Tisue%2C+TAG+Resources Blog (Old Layout) - Mindful About MEPs: </strong>What You Want to Know - Troy Tisue Talks Turkey About Something Old That’s New Again https://www.massenaassociates.com/blog/5-tips-for-great-stakeholder-communication monthly 0.5 2021-09-02 https://www.massenaassociates.com/blog/send-in-the-marines-please monthly 0.5 2021-09-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1603248938380-UQD4UQ2IJ25SZ3NX56ZY/mcm1.jpg Blog (Old Layout) - Send in the Marines. Please. https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1603247749595-WAUL6G68JNEWTE31KBYI/mcm2.jpg Blog (Old Layout) - Send in the Marines. Please. “Run me in at 24 miles please!” https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1603248124001-Z29JPZG8H1BMRG3XJ1UJ/mcm.jpg Blog (Old Layout) - Send in the Marines. Please. Thank you Jen! https://www.massenaassociates.com/blog/rsm-october-8-2020 monthly 0.5 2021-02-12 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1604508191945-788CCUGW1FN59OTGLIEQ/header-Barber.jpg Blog (Old Layout) - Retirement Security Matters: October 8, 2020 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/dedicated-in-delaware-treasurer-colleen-davis monthly 0.5 2021-04-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1602007490687-XYDNOA5GDMTWKMUTQCJV/CCD%2B2019.jpg Blog (Old Layout) - Dedicated in Delaware</strong>: - Treasurer Colleen Davis on Retirement Security for workers and families in Delaware https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1602007008889-6V0WQXI9ETKFWYJDQ7CV/TT+-+CCD+-+DE+2020.9.png Blog (Old Layout) - Dedicated in Delaware</strong>: https://www.massenaassociates.com/blog/gbp-engagement-beats-management monthly 0.5 2021-09-02 https://www.massenaassociates.com/blog/rsm-september-24-2020 monthly 0.5 2021-02-12 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1602863769434-PL5GWLZTBCG7EV7N049J/header-bicycle-mechanic.jpg Blog (Old Layout) - Retirement Security Matters: September 24, 2020 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/surfin-usa-retirement-readiness-calsavers-style monthly 0.5 2021-04-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1600909479645-0ZSVYVC6DI64UM4X7A4J/K+Selenski+bio+pic.jpg Blog (Old Layout) - Surfin’ USA?</strong> Retirement Readiness, CalSavers Style</strong> - Katie Selenski CalSavers’ Executive Director https://www.massenaassociates.com/blog/gbp-identifying-your-key-stakeholders monthly 0.5 2021-09-02 https://www.massenaassociates.com/blog/rsm-september-10-2020 monthly 0.5 2021-02-12 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1602863480784-SFEQDSC15PAKTLDCDMP7/header-cafe-owner.jpg Blog (Old Layout) - Retirement Security Matters: September 10, 2020 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/mainers-seek-retirement-security monthly 0.5 2021-04-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1599672896423-UZ49CJ1GJ4K2BVLTHQ40/HB%2B-%2BHead%2BShot%2B2020.jpg Blog (Old Layout) - Mainers Seek Retirement Security</strong> - Maine ranks 42nd for population, for now – and like every state faces a set of both common and unique challenges when it comes to emergency savings and saving for retirement.. We talk with Treasurer Henry Beck, one of five statewide elected officials in Maine, about the work he’s been doing to promote retirement security and increasing equity in the state. (And of course we get his pandemic silver lining and a few insights from a born Mainer.) https://www.massenaassociates.com/blog/grants-best-practices-supporter-opponents-engage monthly 0.5 2021-09-02 https://www.massenaassociates.com/blog/rsm-august-27-2020 monthly 0.5 2020-10-27 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1602862964770-ZK5S8586DOZINJAIDO3B/header-cafe-owner.jpg Blog (Old Layout) - Retirement Security Matters: August 27, 2020 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/what-the-retirement-system-would-be monthly 0.5 2021-04-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1597194254212-Q51R0M6PX0IEFDQ7LV6H/tim-flacke-commwealth-2020 Blog (Old Layout) - What the Retirement System Would Be, if it Could Be</strong> Tim Flacke, Co-Founder and Executive Director, Commonwealth https://www.massenaassociates.com/blog/rsm-august-13-2020 monthly 0.5 2021-02-12 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1602861849544-XJXIOQSD9ZXOHRGPIOR1/header-woodshop.jpg Blog (Old Layout) - Retirement Security Matters: August 13, 2020 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/are-greener-days-coming-to-vermont monthly 0.5 2021-01-11 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1595892489803-33T4NCENT8NOQA3O4DLA/Headshot.jpg Blog (Old Layout) - <strong>Are Greener Days Coming to Vermont?</strong> - How the Green Mountain State Is Working to Secure Better Retirements Vermont State Treasurer Beth Pearce gives us the straight scoop. https://www.massenaassociates.com/blog/small-business-and-new-plan-formation monthly 0.5 2021-01-11 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1595897614593-8LBQ54BWBU4QOITM9RWI/JR1.jpg Blog (Old Layout) - Small Business and New Plan Formation – <strong>Really?</strong> - “From the beginning, the co-founders were very much of the mindset of starting with a “clean sheet of paper”. How would you design a great 401(k) plan for small businesses today? https://www.massenaassociates.com/blog/rsm-july-29-2020 monthly 0.5 2021-02-12 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1602861213849-U1O0QFYDNUEG5693R7C1/header-restaurant-manager.jpg Blog (Old Layout) - Retirement Security Matters: July 29, 2020 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/rsm-july-16-2020 monthly 0.5 2021-02-12 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1602859648272-1H65RVSK4ZSXUTME7H0M/header-mechanic+%281%29.jpg Blog (Old Layout) - Retirement Security Matters: July 16, 2020 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/retirement-security-whats-up-in-wisconsin monthly 0.5 2021-01-11 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1594856191184-QSE4Q4QC2GWCUYVXAH1C/Treas-Sarah-Godlewski.png Blog (Old Layout) - Retirement Security: What’s Up in Wisconsin! https://www.massenaassociates.com/blog/wisconsin-retirement-security-resource-page monthly 0.5 2021-10-01 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1594780560838-3V09L366GIWRD9PJOE7V/Wisconsin%2B2020.jpg Blog (Old Layout) - Wisconsin Retirement Security: Resource Page https://www.massenaassociates.com/blog/rsm-july-2-2020 monthly 0.5 2021-02-12 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1601909274723-YELGEV1ML4VJWHZZJM4W/header-Hairstylist.jpg Blog (Old Layout) - Retirement Security Matters: July 2, 2020 - Greetings! Welcome to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/morningstar-cits-and-403bs-good-bad-or-jurys-out monthly 0.5 2021-01-11 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1594732257030-P5KHBXK5EY79ZG49OOK9/RETIREMENT+SECURITY+MATTERS.png Blog (Old Layout) - CITs and 403(b)’s – Good, Bad, or Jury’s Out? https://www.massenaassociates.com/blog/rsm-june-18-2020 monthly 0.5 2021-02-12 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1593630291236-PRCUUHIBCVDJHAGHKKL4/restaurant+manager.jpg Blog (Old Layout) - Retirement Security Matters: June 18, 2020 - Greetings! Welcome! to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and service providers https://www.massenaassociates.com/blog/nest-insight-will-sandbrook-june-2020 monthly 0.5 2021-01-11 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1592403882225-8EROAFGY5UKT1BM2XA4S/Will+Sandbrook%2C+Executive+Director%2C+NEST+Insight Blog (Old Layout) - Universal Workplace Savings Meets Global Defined Contribution: 2020 - We talk with Will Sandbrook about Universal Workplace Savings, Emergency Savings, and NEST pensions UK. https://www.massenaassociates.com/blog/nast-retirement-security-series monthly 0.5 2021-09-02 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1591806609948-UN0Z6JP7FUQC3KR185QT/Speakers.png Blog (Old Layout) - NAST - Retirement Security Series Please join us TODAY, June 10 at 1p pacific / 4p eastern for the National Association of State Treasurers’ Retirement Security - Session 1. We’ll be presenting, along with key states Colorado, Illinois, Oregon, Pennsylvania and Vermont. #TMTS2020 https://www.massenaassociates.com/blog/rsm-edition-6 monthly 0.5 2021-02-12 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1592333384699-MU1MC1D7WAFY80DTSA8K/seamstresses.jpg Blog (Old Layout) - Retirement Security Matters: June 4, 2020 - Greetings! Welcome! to Retirement Security Matters a forum for retirement readiness innovation by states, supporters, and servicers https://www.massenaassociates.com/blog/mitchem-global-defined-contribution-trends monthly 0.5 2021-01-11 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1591206804564-HOVNV6BE8WDRWXAEV5VM/JMM+Pic.jpg Blog (Old Layout) - Global Defined Contribution Savings Systems: Implications for U.S. State Treasurers - John Mitchem, Principal, JM3 Projects John Mitchem is an enthusiastic proponent of global retirement savings innovation. John focuses on thought leadership strategies and communications for financial services organizations and has authored a wide range of relevant works. John was a contributor to 2018’s excellent From Here to Security: How Workplace Savings Can Keep America's Promise, by Robert L. Reynolds, President and CEO, Great-West Financial and Putnam Investments, with Lenny Glynn and John Mitchem. https://www.massenaassociates.com/blog/rsm-may-21-2020 monthly 0.5 2021-02-12 https://images.squarespace-cdn.com/content/v1/5e6e57a822894149bd3b74b7/1591231352480-SW6Z6XRG91BEARPQ122A/Barber.jpg Blog (Old Layout) - Retirement Security Matters: May 21, 2020 - Greetings! 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