Plan sponsors learned about the Peak 65 Zone which aims to help near and new retirees generate lifetime income from retirement savings.

This paper examines lessons from current retirees' financial experiences to identify what today's workers and plan designers may be overlooking. It uses real-world retirement outcomes to highlight gaps in planning, savings behavior, and income management that future cohorts should address.

In late 2024, the RRC sought to better understand retirement income and distribution capabilities offered by major recordkeepers. The findings found a collective trend among recordkeepers of all sizes: the fundamental importance of plan sponsor demand in driving retirement income solution development. Other findings include the current availability of different in-plan guaranteed solutions, non-guaranteed solutions, and the fees landscape. The RRC will be releasing an appendix of additional in-depth findings in the future exclusively for RRC members.

For people earning low- to moderate incomes, addressing short-term emergency costs associated with caregiving may take precedence over saving for longer-term goals. We examined the impact of parenting and caregiving expenses on emergency and retirement savings behavior while exploring how 529 college savings plans may be an employer tool that could promote financial security for parents and caregivers earning LMI.