Retirement Planning

Kingman – October 31, 2026 -- Assuming a company sale will fund retirement is the first and most critical planning mistake Arizona business owners make, according to Kingman financial expert Scott Preston, featured in a HelloNation article titled "Top 7 Retirement Planning Mistakes Business Owners Make in Arizona."

Sale proceeds depend on market conditions, buyer demand and seller health

Each of those factors can shift before a sale closes, and a plan built on a single transaction can fall short. The article recommends building personal savings early, separate from the business.

SEP IRAs and solo 401(k)s offer income outside the company

The feature points to SEP IRAs and solo 401(k)s as vehicles that let savings grow independently of company performance while carrying tax advantages.

WINDSOR, Conn. – October 29, 2026 -- One in eight U.S. workers whose health insurance premiums rose this year responded by cutting retirement contributions, according to new LIMRA research released as open enrollment begins.

77% of insured workers faced higher premiums in 2026

LIMRA's 2026 Benefits and Employee Attitude Tracker (BEAT) Study found that 77% of employees with workplace medical coverage saw premiums increase this year. For 17%, the increase exceeded 10%. About half of those affected changed their spending or benefits choices:

Rolling Meadows, Ill. – October 15, 2026 -- Only 28% of US employees believe their current retirement savings strategy will meet their goals, even though 85% of employers offer retirement benefits, according to Gallagher's 2026 US Financial Benchmarks Report.

The report draws on responses from 3,717 US organizations that took part in Gallagher's Benefits Strategy & Benchmarking Survey from January through March 2026. It also uses employee findings from the 2026 Financial Health Assessment, which covers 981 participants.

Employers shift retirement focus from plan access to participant outcomes

Among employees aged 55 and older, 30% name retirement planning as their biggest financial stressor. Employers are responding with plan design: 57% use auto-enrollment and 33% use auto-escalation. SECURE 2.0 now makes both features mandatory for most new retirement plans.

Windsor, Conn. – September 18, 2026 -- Nearly six in ten pre-retirees (59%) rate themselves highly prepared for retirement, yet 76% have either no written plan or spent fewer than five hours in the past year developing, reviewing, or updating one, according to LIMRA's 2026 Retirement Income Readiness Report.

Confidence outpaces action among workers nearing retirement

The survey found 88% of pre-retirees — defined as workers age 45 and older planning to retire within 10 years — say they have thought about how they'll generate income after leaving the workforce. But half (50%) either lack a written retirement plan or have one they haven't updated recently, exposing a gap between stated confidence and actual planning behavior.