Under a traditional model, American workers were said to be able to rely on three sources of income to fund their lifestyle in retirement: pensions, Social Security and personal savings. Over the past ...

Retirement is transitioning away from a one-size-fits-all milestone. As life expectancy increases, pensions dwindle, and an increasing number of Americans worry about outliving their savings, the ...

Retirement used to look like a one-way street. You worked for decades, built your savings, and then stepped away from the workforce for good. But that tidy narrative is shifting. Rising living costs, ...

Throughout the second half of the 20th century, how Americans sought to spend their “golden years” was based on a commonly understood, much-beloved model. After being given the proverbial gold watch ...

Retirement looks different for every generation. Boomers benefited from pensions and affordable homes that swelled in value, Gen X has spent decades balancing debt and uncertainty and millennials have ...

Recent retirement research has focused on factors affecting the retirement decision, reflecting the notion that retirement has become voluntary (Quinn, Burkhauser, and Myers, 1990, document the ...

When you’ve worked at a big company like Morningstar for as long as I have, you become a little bit skeptical when coworkers start tossing around the word “innovative” to describe a new product or ...

According to a 2024 study by the Employee Benefit Research Institute, only 38% of small businesses offered retirement plans, with many of the organizations choosing to opt out due to cost, complexity ...

The U.S. economy may soon stagger under the weight of the elderly baby boomers, who are expected both to live much longer than earlier cohorts of the elderly and to fuel continued growth in health ...