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Rekenthaler Report

The Great American Challenge: Retirement Income for Everybody

The affluent are well served by today’s retirement-income structure, but not everyday workers.

From Accumulation to Income

The United States has laid the groundwork for retirement accumulation. The formula consists of Social Security + 401(k) accounts, supplemented by additional savings for wealthier employees. Admittedly, the 401(k) network is incomplete, being unavailable to one third of private-sector workers, but 401(k) access could readily become universal by modifying the regulations.