Quarterly Newsletters

This piece explains how to navigate market volatility by putting short-term swings in historical perspective and focusing on the decisions you have more control over.

This piece explains how to build an effective retirement income strategy by shifting focus from accumulating savings to turning those savings into a reliable, long-term paycheck.

This piece explains how your workplace retirement plan works and the choices it leaves to you. Contributing consistently is one of those choices; how your contributions are made and how you use the plan's investment options are others, and each can affect your account over time.

This piece explains the features a workplace retirement plan may offer: automatic payroll contributions, tax treatment that differs from a taxable account, employer contributions where available, and an investment menu selected by the plan's fiduciaries. It also explains compounding (how reinvested earnings can generate further earnings over long periods) and why that depends on returns, which vary and can be negative.

This piece describes practical approaches to navigating market volatility. It explains why staying disciplined, diversified and focused on long-term goals is intended to help keep your retirement plan on track, even when markets feel unpredictable.

This article describes what mutual fund expense ratios are and why they may matter for your retirement savings. It explains how these fees reduce returns over time, discusses reported trends in fund costs, and offers general considerations for evaluating expenses among the investment options available in your workplace retirement plan.

This article describes habits commonly associated with making retirement savings last over a long retirement. It explains how goal-setting, consistent saving, a documented investment approach and risk management are intended to work together to address longevity risk, meaning the risk of outliving your savings, and to support long-term financial wellbeing.

This article describes considerations relevant to your retirement strategy. It explains how account selection, cost-of-living pressures and planning for actual expenses relate to one another, and how each may affect flexibility, risk and financial security over time.

This article describes planning areas relevant to couples and families making financial decisions as retirement approaches. It discusses how aligning goals, evaluating protection strategies and maintaining consistent financial habits relate to long-term financial stability and to managing uncertainty.

This article describes approaches to financial decision-making. It explains how setting clear goals, maintaining a balanced investment approach and making consistent, incremental changes relate to building financial habits over time.

This article describes considerations relevant to your investment approach. It explains how asset allocation, short-term investment vehicles, and attention to both opportunities and risks relate to a balanced financial plan.