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In-Plan Annuities in a 401(k): What the Industry Says Is Really Holding Them Back

In-Plan Annuities in a 401(k): What the Industry Says Is Really Holding Them Back

In-Plan Annuities in a 401(k): What the Industry Says Is Really Holding Them BackMarc Johnston-Roche
Published on: 06/11/2026

An in-plan annuity 401k option is still rare: 90% of plans have none. Insurers say the barrier is education, not the product. What to check before you opt in.

in-plan annuity401kguaranteed incomeretirement planning
Retirement Confidence Just Hit a Multi-Year High. The Readiness Numbers Did Not Move.

Retirement Confidence Just Hit a Multi-Year High. The Readiness Numbers Did Not Move.

Retirement Confidence Just Hit a Multi-Year High. The Readiness Numbers Did Not Move.Marc Johnston-Roche
Published on: 26/10/2026

MFS found retirement confidence jumped 13 points to 41% in 2026, while 75% still say they must save more. Inside the retirement confidence gap and what closes it.

retirement confidence gapretirement readinessguaranteed incomeMFS survey
The 2027 Social Security COLA Estimate Just Narrowed to 3.4%-3.6%. Here's the Dollar Math.

The 2027 Social Security COLA Estimate Just Narrowed to 3.4%-3.6%. Here's the Dollar Math.

The 2027 Social Security COLA Estimate Just Narrowed to 3.4%-3.6%. Here's the Dollar Math.Marc Johnston-Roche
Published on: 10/10/2026

2027 Social Security COLA forecasts have narrowed to 3.4%-3.6% ahead of the Oct 14 announcement. See the worked dollar math and what actually eats into the increase.

Social SecurityCOLARetirement Planning
Debt Is the Real Reason Most Americans Aren't Saving for Retirement

Debt Is the Real Reason Most Americans Aren't Saving for Retirement

Debt Is the Real Reason Most Americans Aren't Saving for RetirementMarc Johnston-Roche
Published on: 25/09/2026

A 2026 NIRS survey found 77% say debt blocks retirement saving, and just 9% know what $100K in savings actually pays. Here's what that means for your plan.

retirement savingsdebtNIRS surveyguaranteed income