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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
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401(k) Plans Are Already Putting Real Money Into Annuities

401(k) Plans Are Already Putting Real Money Into Annuities

401(k) Plans Are Already Putting Real Money Into AnnuitiesMarc Johnston-Roche
Published on: 22/09/2026

Target-date funds with a built-in annuity now hold $44 billion in assets. BlackRock's LifePath Paycheck alone grew from $9B to $25B in 18 months.

401kretirement planningguaranteed income
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Social Security's 2027 COLA Estimate: What the 3.5-3.6% Increase Means for Your Retirement Income

Social Security's 2027 COLA Estimate: What the 3.5-3.6% Increase Means for Your Retirement Income

Social Security's 2027 COLA Estimate: What the 3.5-3.6% Increase Means for Your Retirement IncomeMarc Johnston-Roche
Published on: 19/09/2026

Early 2027 Social Security COLA estimates sit at 3.5-3.6%, the highest in three years. Here's how COLA is calculated and what it does and doesn't fix in a retirement plan.

social securitycola 2027retirement planning
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The $210,000 RMD Workaround Most Retirees Have Never Heard Of

The $210,000 RMD Workaround Most Retirees Have Never Heard Of

The $210,000 RMD Workaround Most Retirees Have Never Heard OfMarc Johnston-Roche
Published on: 15/09/2026

The 2026 QLAC premium limit is $210,000, unchanged from 2025. See how moving IRA money into a QLAC lowers the balance your RMD is based on.

QLACRMDretirement planning
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