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[Opinion]

6/9/2013: Text of Testimony to ERISA Advisory Council on Successful Retirement Plan Communications for Various Population Segments (PDF) (Don Hess of J.P. Morgan, on behalf of the American Benefits Council)
5 pages. "[To] effectively communicate, it is important to strip out as much complexity as possible, to create a clear next step and, more importantly, to offer a specific reason to take that step. The best way ... to accomplish this is to share an income replacement projection. Doing so reduces the complexities of retirement to a single number.... [Recipients of] regular income replacement projections ... are 19% more likely to achieve income replacement levels of 70% or more and they are nearly twice as likely to have diversified asset allocations."
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