Simplicity Wins: Two-Thirds of Participants Now Hold a Single Fund Defined contribution (DC) plan participants are gravitating toward simpler investment strategies, according to a recent Vanguard analysis of plan lineups and participant behavior. In 2025, 66% of participants held just … Read More
A target date fund (TDF) can simplify retirement investing by providing a diversified portfolio in a single fund. It automatically adjusts its investment mix over time, generally becoming more conservative as you near retirement. Understanding how TDFs work can help … Read More
Shopping hauls and unboxing videos are familiar fares on TikTok and Instagram, but finding ways to make more of every hard-earned dollar is finally having a moment, too. “Moneymaxxing” creators, an emerging category of financial influencers, focus on helping you … Read More
The Hidden Retirement Cost of Employee Caregiving Recent data shows a notable overlap between caregiving and financial fragility. The 2026 Retirement Confidence Survey, conducted by the Employee Benefit Research Institute (EBRI) and Greenwald Research, found that unpaid caregivers were more … Read More
Retirement Savings Rate Reached an All-time High in 2025 U.S. retirement savings metrics continued to strengthen in 2025, with 45% of participants increasing their contributions and the average total savings rate reaching a record 12.1%, according to Vanguard’s How … Read More
A little practical guidance can go a long way, whether you’re trying to make a budget, pay down debt, save more, or simply feel less stressed about money. And while that kind of help may seem hard to come by, … Read More
Retirement plan sponsors are well accustomed to fiduciary obligations around investment selection, fee reasonableness, and plan administration. Increasingly, however, another consideration has been drawing regulatory attention: how participants’ personal and financial data is collected, used, and shared by the service … Read More
Recent research from the Employee Benefit Research Institute (EBRI) examines how retirees’ assets change over time depending on whether or not they have access to guaranteed income streams. The report, “Asset Decumulation Over Retirement and the Role of Guaranteed Income … Read More
Target date funds (TDFs) are the most common qualified default investment alternative (QDIA) in 401(k) plans. At year-end 2022, more than two-thirds of participants in the Employee Benefit Research Institute/Investment Company Institute (EBRI/ICI) 401(k) database held TDFs in their account. … Read More
For many Americans, working to or through “traditional” retirement age may be the right choice based on their goals, personality, passions, and priorities. But for others, early retirement may be the preferred path. Whatever your timeline, retirement requires thoughtful planning. … Read More
NAPA Top Retirement Plan Advisor Team
2026 Top Retirement Plan Advisers – Chris Giovinazzo
NAPA Top Retirement Plan Advisor Team Multi-Office