Issue 4, 2025

Is your retirement planning on autopilot? What to check once a year to stay on track for retirement. Many people set up their retirement plan once, and then forget about it. That can work well when your plan is set right. But just like any trip, it helps to check your progress now and then, especially as life and markets change. A quick annual review—like an annual physical—can help you stay on track and avoid surprises later. What to review each year: 1. Are you contributing enough? Could you increase your contribution by even 1% this year? 2. How are your investments? Are you still invested the way you intended? Do your choices match your goals and timeline? 3. Do you need to rebalance? If you use your plan’s retirement-date-related funds, your account may rebalance automatically. But if you choose your own mix of funds, check whether your investments still fit your plan. A quick rebalance can bring you back in line. 4. Are your beneficiaries up to date? Life changes—like marriage, divorce, or a new child—can mean it’s time for an update. Make it a habit Set a reminder once a year, around tax time or your birthday. It only takes a few minutes but can make a big difference over time. Need help? Most retirement plans offer free access to a retirement counselor. They can help you review your account and feel confident about your next steps.

Are you checking in too often? How often should you log in without getting rattled by the market? Have recent market swings left you feeling a little uneasy? Over the past few months, the stock market has had its share of ups and downs. And when the market moves, so do retirement savers. In fact, retirement account logins and trading activity hit the highest levels in years during early 2025, according to Alight Solutions, which reported record 401(k) trading, and TIAA, which saw a 15% jump in participant logins and call volume. But does that mean you should check your account every time the market jumps or drops? Probably not. Most people do best when they log in about once every three months—just enough to stay on track without getting caught up in every market swing. Why quarterly check-ins work best: • You’ll see long-term trends, not just short-term noise. • You can make sure your investments still match your goals. • It helps you avoid emotional decisions (like selling in a panic). That said, you might want to log in more often if you’re close to retirement or rebalancing your investments on your own. For most savers, quarterly is plenty. Feeling uneasy? You’re not alone. Volatility can be stressful, especially if you’re getting close to retirement or already there. The good news? Most retirement plans offer free access to a retirement counselor or financial advisor. These professionals can help you understand your investment options, stay calm, and stick with a plan that works for you. After you log in, consider setting up a time to talk. A short conversation can bring peace of mind and help you avoid quick decisions that could hurt your long-term goals.

Do you log in too much, or not enough? Take the survey.

Survey Says: Where will you retire? Here’s what your fellow readers had to say … Thanks to everyone who responded to our flash poll. While it wasn’t a scientific survey, your responses painted a fascinating picture of what’s on people’s minds regarding retirement relocation. 65% of respondents said they plan to relocate when they retire. Top relocation priorities included: ✔ A better overall quality of life ✔ Lower cost of living ✔ Safer communities ✔ Smaller homes and reduced weather risks Some participants shared unique goals like moving abroad, staying near the arts, or finding a walkable community with access to healthcare and family.