Happy New Year 2024, Friends! It’s with much anticipation that we have rounded the corner into this next set of months.

We joke that producing RSM is like writing the newsletter version of War and Peace every two weeks. That said, we are shifting into a new gear. Think of it as beach-bike gear. Hop on – here we go. ♥️

As we wrap up Hanukkah and race toward Christmas Eve and the New Year, it’s the perfect time for a quick break. Grab a cocoa-coffee and catch up on the latest in retirement security: Starter K insights from Guideline’s Jeff Rosenberger and Jeremy Caballero, fresh state metrics 🥁, updates from Delaware, Maine, and Virginia, a glimpse into 2024 with RSM, a dash of Hot Sauce, and, of course, PIX! Let’s dive in.

As autumn turns to winter, it’s the perfect time to pause, grab a warm drink, and settle in for fresh insights and updates. This week, we’re exploring Colorado Secure Savings with Young and Railey, sharing state metrics and updates from across the country, diving into the impact of Auto IRAs, and wrapping up with some seasonal fun in our Pix of the Week. Get cozy and enjoy!

Happy November! With rain falling here and snow beginning to blanket the higher elevations, it’s the perfect time to cozy up with a warm drink and dive into some fresh insights and inspiring updates. This week, we’re exploring developments in Delaware, the latest state Auto IRA metrics from September, key updates from Connecticut, Maine, New Jersey, and Nevada, and a roundup of must-reads in Hot Sauce, Cool Stuff. Plus, don’t miss our Pix of the Week to wrap it all up. Let’s get started!

As the Northern Hemisphere prepares for winter’s arrival, we’re bringing you exciting updates to dive into this October. Cozy up with a blanket and a warm cup of cocoa as we explore the latest in retirement security, including a closer look at the Retirement Savings Report Card, fresh September data on State Auto IRA metrics, key updates from Vermont, and a roundup of this week’s must-reads in Hot Sauce, Cool Stuff. Don’t miss our Pix of the Week to top it all off!

October is here, bringing festive vibes and #NationalRetirementSecurityMonth—our favorite time to spotlight the importance of saving for retirement. Grab your pumpkin beer or latte and dive in as we explore RetirePath Virginia’s 4 E’s, fresh state metrics, updates from key states, a unique take on nesting shorebirds and retirement innovation, Maui-inspired wisdom, Hot Sauce, and Pix of the Week. Let’s go!

As September wraps up, take a moment to recharge! Grab a drink and dive into insights on stronger teams driving retirement success, fresh state metrics, updates from Connecticut, Delaware, Maine, and Maryland, and the link between financial experience and competence. Don’t miss Hot Sauce, cool finds, and Pix of the Week as we go west. Let’s go!

September is here, and RSM is back on its bi-weekly schedule! Get ready for fall with insights on prepping for 2024, fresh state metrics nearing the $1 billion milestone, key state updates, best practices, Hot Sauce, cool finds, and a standout Pic of the Week. Dive in!

Feeling the heat? So are we! It’s the perfect time to take a breather. Find your favorite cool spot—whether it’s by the fan, the AC, or that chilly corner in the office—and join us as we dive into the latest in retirement security. This week, we’re sharing three ways to make 2024 awesome, fresh state metrics, updates from California, Connecticut, Hawaii, Oregon, and Maine, best practices to ease workplace angst, Hot Sauce for the dog days of August 🐕, and, of course, Pix of the Week. Let’s cool down and get started!

We love summer! As the days grow more casual, we hope you're finding time to soak up the sun (or avoid it, if you’re in a heat dome) and enjoy this vibrant season. So, grab a lemonade or your iced coffee, sit back, and let us catch you up on the latest financially resilient retirement security news.

In this edition, we dive into the latest innovations in retirement savings, including state retirement plan mandates and how they complement the private sector. Grab something cold and join us as we wrap up the spring conference season, celebrate OregonSaves crossing the $200 million milestone 🥂, share updates from key states, and explore how firms respond to state mandates with insights from new research. Plus, don’t miss Hot Sauce, cool finds, and Pix of the Week!

June is here, and we’ve got fresh insights and future-forward updates for you! Explore blockchain and tokenization in retirement savings with CeFiWire’s Sean Hanna, new May state metrics (hello, Maryland$aves!), updates from key states, highlights from NAST TMTS Day 1, Hot Sauce with five must-see finds, and Pix of the Week featuring Dutch Bros, the Golden Gate, and a mystery hotel room. Grab an iced coffee and dive in!

June is here, and we’re celebrating inclusivity! From Pride Month to Juneteenth, grab your iced coffee and dive into how retirement savings can drive wealth creation for all. This week features state metrics, updates from key states, and insights on how generative AI (hello, Pat GPT!) is solving challenges in savings access and inclusion. Plus, Hot Sauce and PIX of the Week celebrating family. Let’s go!

As May wraps up, Auto IRA initiatives are in high gear, racing against the end of the 2023 legislative session. Grab a refreshing drink and catch up on the latest: Minnesota, Missouri, and Vermont making strides in retirement savings, state metrics with over 50,000 employers facilitating, key updates from Delaware, Hawaii, Illinois, New Jersey, and Oregon, plus trends shaping the big picture. Don’t miss Hot Sauce, cool finds, and Pix of the Week! Let’s dive in!

May brings lighter days and fresh opportunities! Catch up on insights from Kim Olson on Auto IRAs, fresh state metrics, updates from key states, Hot Sauce, cool finds, and Pix of the Week featuring the White House—and brownies!

April is here, and it’s Retirement Security Month—our favorite time of the year! Grab your coffee and dive into fresh insights and updates. Explore cultural differences in retirement thinking with Jasper Forum's John Mitchem and Jorik Van Zanden, state metrics nearing $750 million, key updates from California, Colorado, Massachusetts, Minnesota, and North Carolina, plus a look at whether Millennials are getting a watered-down deal. Don’t miss Hot Sauce, cool finds, and Pix of the Week!

Spring has arrived, bringing warmer days, fresh blooms, and a sense of renewal. It’s the season of flowers, Easter eggs, spring cleaning, and new beginnings—and a great time to dive into the latest in retirement savings innovation. This week, Mark Iwry takes a future-focused look at SECURE 2.0, we share fresh numbers from the states, key updates from Maine, Massachusetts, and Puerto Rico, Hot Sauce and cool finds, and Pix of the Week. Let’s get started!

Happy International Women’s Day to the incredible women advancing retirement security!

This week, we’re covering DCIIA’s spring events, fresh state numbers, updates from California, Delaware, Connecticut, Kansas, and Missouri, insights from David John on Universal Auto IRA impact, Hot Sauce, and Pix of the Week for Portland coffee lovers. Dive in!

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

❤️ It’s the season of love, affection, and a little pampering! Celebrate with joy and let us help you catch up on the latest in retirement security. Grab some chocolates, get cozy, and dive in!

This edition features Mateo Galindo Lozano of CHCF on Planificación de Jubilación in community, key updates from Maryland, New Jersey, New Mexico, and Oregon, a hot take on SECURE 2.0 employer incentives, Hot Sauce and cool finds, and Pix of the Week. Enjoy!

Happy Late January! The year’s off to a fast start, and there’s plenty happening in retirement savings. Warm up with a hot drink (Jan. 31 is National Hot Chocolate Day!) and dive into Illinois Secure Choice at five, updates from California, Connecticut, and Maine, a hot take on SECURE 2.0’s Saver’s Match, Hot Sauce, and Pix of the Week. Enjoy!

Happy New Year, friends! We’re kicking off 2024 with fresh insights on retirement savings innovation. Dive into Asso Yankson of EY on improving what’s good, updates from key states, Secure 2.0’s automatic enrollment impact, Hot Sauce, and Pix of the Week. Enjoy!

While you’re busy with the hustle and bustle with friends, family, and your community all preparing to celebrate the big holidays, don’t forget to pause and nourish yourself a bit along the way. Curl up for a moment in those footie socks with some wassail and catch yourself up:

• Martha Deevy on optimizing 100-year lives and the importance of financial resiliency

• Key updates from California, Colorado, Delaware, Maryland, New York State, and Virginia

• DCIIA, The Aspen Institute, and Morningstar – joint venture in expanding equitable retirement

• What’s one piece of hopeful news you heard this week? – check out Hot Sauce and Cool Stuff

• Pix of the week to boost your day

Hurrah December ❄️. We’re energized by the holiday season with its brightest lights, lush decorations and good food and company. In the spirit of savoring the season and enjoying the moment, grab yourself a cuppa and settle in for a great read:

• Sid Pailla – Double-clicking on Emergency Savings – what we’re learning

• Fresssh! State Auto IRA metrics

• Key updates from California, Illinois, Maryland, New Jersey, and New Mexico

• *Announcement* and Introductions – to DCIIA

• The latest and best news you need: Hot Sauce and Cool Stuff

• Pix of the week – Goodies for our super-scrollers!

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

Happy November! If that sounds like the year is moving to a close quickly, we agree. Small solace: embrace the “yum!”. You might have a favorite food-related holiday this month. We're going with #10, National Vanilla Cupcake Day. But we digress. Grab that cupcake and catch up on the latest in retirement innovation:

• Natalie Braswell and Jessica Muirhead on MyCTSavings – access, equity, and early results

• *Fresh* State Auto IRA metrics

• Key updates from Connecticut, Illinois, New Mexico, New York State, Virginia and a Global update with cross-border application

• *New* savings training programs broadly available with NAST’s Kari Arfstrom

• Intriguing shorts in Hot Sauce, Cool Stuff -- Don't save yet?

• This week's PIX! - from the Chesapeake Bay to a living room in Oregon

As nature gets ready for its last hurrah before winter sets in here in the Northern Hemisphere, we have a bit of news to share. So, pull up a cushion and a blanket, grab a hot cocoa, and enjoy some perspectives, from a warmer place:

• What the Smallest Employers Want - with Gusto's Steve Abbott

• State Auto IRA metrics

• Key updates from California, Colorado, New Mexico and Maine

• News! - a shift is coming at Massena Associates, and we are excited to share!

• Hot Sauce, Cool Stuff: this week's must reads

• Pix of the week – retirement security ruminations from the land of George Washington, in excellent company.

We love October. Not just because we get to over-decorate our houses and buy way too much candy without judgment, but also because here in the U.S. we promote #National RetirementSecurityMonth. It is a time to raise public awareness about the importance of saving for retirement. So join the hashtag, grab your favorite pumpkin spice drink and settle in for some retirement savings updates:

• 6 facts you need to know about inequality with Boston College’s Geoffrey Sanzenbacher

• Frrreshhh State Auto IRA metrics

• A closer look at … California, Colorado, Connecticut, Delaware, Maryland, and New York State

• Things we never thought we would see, but possibly the best practice in this space

• Hot Sauce, Cool Stuff: Must knows

• Pix of the week – Willow playing a vital role in nurturing productivity and creativity. Who is Willow, you may ask?

Can you feel it? A slight change in the air. A crispness that you don’t remember being there last week. It’s true! Autumn is coming in two days and we’re ending the month with plenty-o-updates. So grab a milkshake (we take ours malted) and settle in:

• Research docket and wealth gap surprises with Morningstar’s Aron Szapiro

• State Auto IRA metrics – 36,000 new funded accounts in one month

• A closer look at … Maine, Maryland, New Jersey, New Mexico, and New York

• Can friction benefit retirement savers? Yes! Behavioral scientist Lindsay Juarez explains

• Hot Sauce! Fresh research and some brain expanders

• And, Pix of the week

We’re enjoying early fall – that season where there’s a nip in the morning air but you’re sure you should be wearing shorts with your neighbors in the afternoon. That is, unless you’re back in the office! Wherever you are, we’ve got cool stuff for you. Settle in for the first-of-fall updates:

• CalSavers leaps forward with Katie Selenski

• We've crossed the $500 million mark! -- state metrics

• Updates from California, Colorado & New Mexico, Illinois, Maine, Maryland, Oregon, Vermont, and Delaware

• Who present-bias, me? Duke’s Perry Wright on precommitment.

• Hot Sauce! Fresh research and some brain expanders

• Pix of the week, from balancing on the SUP to ballparking together ...