Only a fool would walk away from free money, especially if that money adds up to tens of thousands of dollars over a career.

Businesses have many options when it comes to choosing a company retirement plan. Many opt for employer-sponsored defined contributions plans like a 401(k) or profit sharing scheme, any of which can bring big benefits to employees and business owners alike. Ensuring a good return, however, involves more than stashing money and waiting for it to grow.  

Retirement management is often put on the back burner. Our busy schedules, limited budgets and personal desires (foreign travel, fast cars, fancy dinners, etc.) always get in the way.  

Businesses can help their employees -- and help themselves in the process. The ability to provide retirement benefits and help employees manage them is not only a powerful tool in attracting new talent, but also a great way to reduce employee turnover and increase retention rates.

It’s no secret that the future of Social Security is bleak. Current predictions indicate that the Social Security trust fund could run out by the year 2037. Unfortunately, the hard reality is that Social Security funds will not be there when today’s young workforce retires. With this government funding crisis looming over the heads of Gen X, Gen Y and millennial workers, an alternative solution is the only clear path forward for those early in their career.