Hello Friends! It is Black History Month in the US ♥️. To us, this month is incredibly important. Every year we find the dialogue about our shared history is getting richer. Are there plenty of concerns? Yes, there are. Opportunities to act? Yes, there are. And in the current focus our personal understanding of the ongoing contributions to all that we are together increases, and the world – at least the one close to us – gets better and becomes fuller. #thankyou

To us here in the US, Happy Almost 🦃Thanksgiving! … and a thank you note from us to you. Let us give you a little break between email and making your friends-and-family plans to catch up on the world of retirement security. It’s cold here – grab your pumpkin spice and nestle in:

• Leaning into Latinx – we can do better – what we learned in the great PR

• We have fresh State Auto IRA metrics

• Key updates from California, Delaware, Maine, New Mexico, and Oregon

• Joel Metlen invites you to think about social determinants of health and well being

• We keep your brain spicy with Hot Sauce, Cool Stuff

• PIX of the week! – some sunshine and a soliloquy from a 500-year-old town