Here’s a guide for what you can say to the three most common reasons we hear that hold employees back from contributing and what we’ve found successful, without crossing the line of giving advice.

Auto-enrollment features for retirement plans: friend or foe? Let’s talk about what’s available and why they may be worth considering for your plan.

Your 401k or 403b is for retirement, your HSA is for retirement healthcare. Read on as we explain why the HSA paired with a High Deductible Health Plan is a great option for saving for your future retirement health expenses.

Want to avoid doing certain things? Put more obstacles or steps in between you and the behavior you want to avoid.  Want to make sure you do certain things? Clear a path to it.

"Let's put it this way: if employment is a product, then what would the candidate want to buy?" said Juan Pablo Gonzalez, who works with companies to design compensation packages, among many other things, at Axiom Consulting Partners. He may have implied at a dinner party that a match or a retirement plan may not be the best investment for an employer's dollar...and I may have been mildly offended at first!

So... where exactly does your retirement plan fit in? That's at the heart of our consulting practice. Is the plan doing what it's designed to do for you -- or, back up one step -- what's it supposed to do??

Surely you've heard that you eat an elephant one bite at a time, meaning that you have to attack a large problem in small, systematic increments. 

I'm a fan of James Clear, who writes about science-based ideas for mastering your habits and living an optimal life. It's part of my "if I can only harness my habits" obsession of late. He wrote a great post called How to Stop Procrastinating by Using the “2-Minute Rule” and it totally hits home when it comes to retirement.

The number one way to shorten your RFP process? Use a Retirement Planologist. (Retirement Planologist: one who specializes in providing consulting and advisory to retirement plans.) Why?