Fue Yang - Financial Advisor

Retirement planning doesn't have to be complicated, and many participants agree.

A new survey from J.P. Morgan Asset Management found that 73% of participants wish they could simply delegate their retirement planning decisions. They also overwhelmingly support features like automatic enrollment, target date funds, and retirement income solutions that make saving and planning easier.

Health care is one of the largest expenses Americans face, but where you live can make a big difference.

New data from the U.S. Bureau of Economic Analysis reveals how per capita health care spending varied across all 50 states in 2024, highlighting the impact location can have on overall costs.

See how your state compares.

Social Security's latest Trustees Report serves as an important reminder: retirement planning can't rely on any single income source.

The report projects that Social Security's primary trust fund could be depleted by 2032—one year sooner than previously expected. At that point, incoming revenue would cover approximately 83% of scheduled benefits.

While Social Security remains a critical component of retirement income for millions of Americans, these projections highlight the importance of building additional retirement savings through employer-sponsored plans, IRAs, and other long-term investment strategies.

The earlier you start planning, the more flexibility and confidence you'll have in retirement—regardless of future policy changes.

💡 Are you taking advantage of all the retirement savings opportunities available to you today?

https://www.planadviser.com/social-security-trust-funds-face-depletion-in-2032/



https://www.planadviser.com/social-security-trust-funds-face-depletion-in-2032/

Social Security Trust Fund Faces Depletion in 2032 | PLANADVISER The current estimate says the agency will have enough revenue to pay 83% of benefits due at that time.

The Million-Dollar Question: How Much Do You Need for Retirement?

Americans say they'll need more than $1.4 million for retirement, according to a recent Fidelity survey. Yet with inflation, rising healthcare costs, and longer lifespans, there's no one-size-fits-all number.

The key isn't reaching a magic milestone—it's starting early, saving consistently, and building a plan that fits your future goals.

Have you heard of loud budgeting?

Loud budgeting is all about being open about your financial goal, what fits in your budget and what doesn’t. Instead of silently overspending or feeling pressured to say “yes,” loud budgeters confidently turn down plans that don’t align with their priorities and clearly communicate what they’re working toward.

That could mean saying:
“I’m skipping this dinner at the restaurant, I’m saving for travel.”
“I’m prioritizing my health this year.”
“I’m focused on building my dream home.”

It’s not about restriction, it’s about intention. When your spending aligns with what truly matters to you, you create clarity, confidence, and control over your financial future.

What are you saying “no” to this year so you can say “yes” to something bigger?

Target date assets just crossed a major milestone.

New research shows U.S. mutual fund and CIT target date assets grew 21% in 2025, reaching $4.8 trillion. Add another $371 billion in custom target date strategies, and the total market now exceeds $5.2 trillion.

A clear signal of the continued role target date strategies play in shaping retirement outcomes.

https://www.napa-net.org/news/2026/2/target-date-assets-hit-major-milestone-surpassing-$5-trillion/

Target Date Assets Hit Major Milestone, Surpassing $5 Trillion New research reveals that assets in U.S. mutual fund (MF) and collective investment trust (CIT) target date series expanded by 21% in 2025, reaching $4.8 trillion. When factoring in an additional $371 billion in custom target date strategies, the total TD market rose to $5.2 trillion at the close of...

New research from the Investment Company Institute makes one thing clear: workplace retirement plans matter a lot.

Nearly half (47%) of Americans with a 401(k) say they wouldn’t save for retirement without access to a plan at work. That number jumps to 58% for households earning under $50K.

For higher-income workers, 93% say employer-sponsored plans help them focus on long‑term goals, not just today’s needs.

Workplace retirement plans aren’t just a benefit. They are a critical driver of retirement readiness across income levels.

Voluntary benefits are expanding fast, but so are the fiduciary risks. Recent lawsuits show that even “employee-paid” programs may trigger ERISA duties when employer involvement looks like endorsement or when fees and compensation aren’t clearly monitored.

-Now’s a good time for plan sponsors to review:
-How voluntary benefits are communicated
-Whether safe harbor criteria are truly met
-Where vendor compensation or revenue sharing might create exposure

Voluntary benefits can be a great option for employees, but only when paired with the right governance. If you’re unsure where your voluntary benefit programs stand, be sure to connect with your advisor or consultant.

Read full article here: https://www.srpretire.com/voluntary-benefits-an-expanding-benefits-lineup-and-a-fiduciary-blind-spot/

Investment Policy Statements (IPS) have long been the cornerstone of fiduciary investment governance—but in today’s evolving regulatory and market environment, a static document isn’t enough. Join SRP for our upcoming event to learn how to “future-proof” your IPS so it remains principles-based, flexible, clear, and legally sound—focused on why decisions are made, not just how they’re executed.

Attendees can earn 1 hour of SHRM and PSCA CE credit. Register today to reserve your spot.

https://assets-usa.mkt.dynamics.com/57208e08-f156-4d10-b3a5-cedc4c435fe6/digitalassets/standaloneforms/432e0451-b7fa-4f34-bdbe-bd16d6a34eab?readableEventId=Future_Proofing_Your_IPS1893120130

As we watch the world come together for the Olympic Games, one thing is clear:

🏅 Success takes discipline.
🏅 Progress takes consistency.
🏅 Results take time.

Your finances are no different.

Think long term.
Build strong fundamentals.
Make small improvements consistently.

Gold medals and financial goals are not won overnight. They are earned through steady, focused effort.

What is one financial habit you are working on right now?