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Future retirement security

State Retirement System Rules on “Spousal Consent”

Publication

Does your husband or wife work in a job covered by a state retirement system? If so, it is important for you to know if you have a say in whether you will receive a pension if you outlive your spouse.

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Happy Older Americans Month!

Blog entry

The start of May marks the beginning of Older Americans Month, a celebration of the contributions older Americans make to society. Sponsored by the U.S.

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Adjustable pension plan design begins to gain converts

News Item

A new pension plan design that allows employers to drastically reduce their risk while still providing lifetime income to participants is gaining support as an alternative to moving employees into a defined contribution plans.

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Borrowing against the future with a 401(k) loan

Blog entry

Thinking about taking a loan from your 401(k) plan? Think again. It’s no secret that many Americans were hit hard and are still struggling to recover from the financial crisis. Even those who weren’t laid off or downsized during the recent recession may think of their 401(k) accounts as piggy banks instead of the retirement plans that they are.

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Another look at living independently in retirement

Blog entry

Living independently is a goal for many who are approaching or thinking about retirement. While most people don't expect to move to a gated retirement community with a golf-course, they do hope to have adequate financial resources to live modestly and with dignity. How much will they need?

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Marriage equality and retirement equality

Blog entry

Tomorrow, the U.S. Supreme Court will hear oral arguments in the first of two cases that may change the retirement landscape for millions of Americans: Hollingsworth v. Perry (the second case, U.S. v Windsor, will be heard on Wednesday). What do these cases, both dealing with same-sex marriage, have to do with retirement security, you wonder?

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A crucial step toward retirement security for the working class

News Item

The state has launched a plan to enable low-wage earners to put aside 3% of their pay for retirement. But it's going to take more than two years to get it going.

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Heard Off the Street: 'De-risking' trend grows

News Item

About 41,000 former Verizon Communications employees are the latest group of retirees who will be getting their pension checks from an insurance company instead of their former employer.

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Analysis: U.S. companies take aim at pension risk with lump-sum offers

News Item

But by far the most common trend in corporate America is to offer lump-sum payouts to thousands of retirees now - these voluntary buyouts could cost companies millions of dollars upfront, but they eliminate the risk of obligations soaring out of control in the future.

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Nearly Half of Large Employers Shifting Retirement Saving Burden to Workers

News Item

Boomers and younger workers don’t have much to celebrate in a new report on retirement plan trends among big employers. It shows that 80 percent of companies with more than 1,000 employees offer a defined benefit pension plan, but within five years, that will change. And not for the better.

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