RETIREMENT
SECURITY
MATTERS

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Close the Retirement Savings Gap.

WELCOME TO MASSENA ASSOCIATES

Retirement security matters. But many of us in America aren’t there today. 

In the US, where 40% of the workforce aren’t offered work-based retirement access and another 15% work on an independent basis, we don’t save enough. 

In other cases our work-based retirement plans miss some of the human-friendly elements that help us get and stay on the right road: automatic enrollment, automatic escalation, and thoughtful design that simplifies creating a retirement paycheck.

There is a better way.

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We have a tested, proven approach to planning, implementation, and operation. Let’s collaborate.

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Retirement Security Matters: July 16, 2026
Retirement Security Matters: July 16, 2026

Happy 250th! We hope your celebrations have been wonderful. Summer is in full swing, and we’re taking a moment to enjoy the season with an iced Wilds Now Craft Instant Coffee (Voyager Blend) and a splash of cream. Grab your favorite beverage, settle in, and enjoy this month’s newsletter.

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Paul Revere's Pension: 250 Years of Retirement in America
Paul Revere's Pension: 250 Years of Retirement in America

We’ve turned 250! Don’t we look great for our age? The anniversary got us thinking about retirement through the years. We know the pilgrims didn’t have pensions … right. But we do, and we need them.

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Retirement Security Matters: June 18, 2026
Retirement Security Matters: June 18, 2026

Summer is in full swing, so grab an orange marmalade slushy and take a breather. This week, Jack VanDerhei weighs in on the Saver’s Match, we check the latest state auto IRA action, and explore the connection between retirement security, Social Security, and babies.

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Getting In Is Just the Beginning
Getting In Is Just the Beginning

Jack VanDerhei of Morningstar's Center for Retirement and Policy Studies on the Saver's Match, federal auto-enrollment, and the design choices that could make — or break — a federal retirement savings program.

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Retirement Security Matters: May 21, 2026
Retirement Security Matters: May 21, 2026

Grab an iced coffee and settle in. This week, we’re featuring Teresa Ghilarducci, updates from the states, insights from the Aspen Leadership Forum on Retirement Savings, and, of course, a fresh serving of Hot Sauce! and Pix of the Week.

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