Happy November! It’s raining here and the snow has started to fly in elevations above us. So, get ready for some cool insights and inspiring news. Grab your warm beverage, get comfy, and let's dive in:

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We’re a fan of good news around here. We love celebrating! But when Mercer gives the US retirement savings system a “C” on the global scale we have to admit we feel a bit meh.

It’s one thing to be beaten by the Netherlands and Australia. Things start to hurt a bit when you’re beaten out of the top 20 by Canada … and even Kazakhstan.

So, what have the Kazakhs and the Canucks got right that we don’t? Let’s take a closer look.

Even though many costs decline in the retirement years, health care costs increase. As people get older, they visit their doctors more frequently and use more prescription drugs. In addition, healthcare costs tend to outpace inflation. Retiree medical costs are a significant expense, and yet another reason why creating opportunities to encourage workers to save for their retirement years throughout their careers is so important.