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Jane White Comment Letter to DOL on Proposals for Lifetime Income Illustrations in Pension Benefit Statements (PDF)

"The communication must take into account assets in participants' rollover accounts and at previous employers, not just the balance at the current employer.... The projected income stream should be based on the assumption of a long lifespan and modest investment returns; otherwise the projections could be overly optimistic.... [T]he projection should deduct estimated taxes that will be owed when people take distributions.... [T]he vast majority of participants would benefit from software that not only takes the 'big picture' of all of their retirement savings but advises them on how much to save to achieve retirement security based on their current savings and how many years until they are scheduled to retire."

Free 401(k) Education Seminars for Small Businesses Offered by the Retirement Solutions Foundation

Excerpt: Are you a small business with a 401(k) plan that some of your employees aren't taking advantage of? Retirement Solutions Foundation, a non-profit organization whose mission is to boost retirement savings, has received a grant for small business 401k education that involves offering free educational seminars, focus groups and follow-up to employees of small businesses. Any questions, please email Retirement Solutions president Jane White at smallbusiness@retirement-solutions.org.

the Ridiculously Simple Solution To Finding Low-Cost Top Performing 401(k) Investments

Excerpt: Are you ready for the latest mutual fund scandal? Federal and state investigators have begun to investigate whether mutual funds are being selected for 401(k) retirement plans because of *gasp* hidden financial incentives ... Study after study has demonstrated that the best-performing investments are the ones that not only don't offer financial incentives but don't charge management fees because they are unmanaged: index funds ...

Resolve to Retire Rich: Ten Strategies for Individuals to Consider (PDF)

2 pages. Excerpt: Here are 10 simple steps that all boil down to twostrategies: maximize income and minimize debt/spending.

Only Thing Worse Than Not Telling 401(k) Participants How Much to Save Is Offering Reckless Target Date Funds

Excerpt: [T]he biggest problem with target date funds is that they mislead 401(k) participants into thinking that the most important component of retirement adequacy is the investments you choose when it's the actually the size of the contribution to retirement savings relative to income along with the investment time horizon.

A 401(k) Reality Check

Excerpt: This year's 401k Day, sponsored by the Profit-Sharing/401k Council, coincides with the passage of the Pension Protection Act. [The Retirement Solutions Foundation takes] this opportunity to do a reality check to see what steps still need to be taken to make sure 401k savers nest eggs aren't half-full when they need them.

How Privatization AND Immigration Can Cure Social Security

Excerpt: [I]f we got really ambitious and 'imported' three million immigrants we'll have the Social Security situation 100% solvent even without privatization. What's more, immigrants also boost the economy by buying homes, the least-talked about aspect of retiree finances, accounting for at least 50% of current retiree assets.