Ryan ALM
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The Median Account May Not Be <$1k, But It Is Still A Crisis!
There has been some debate within the investment industry related to National Institute on Retirement Security's (NIRS) recent release of their report titled, "Retirement in America: An Analysis of Retirement Preparedness Among Working-Age Americans". A report that claimed that "across...
It's Not Getting Any Easier
I wish for you and your family, friends, and acquaintances a joyous holiday season. I hope that 2026 proves to be an incredibly wonderful year in which the average American once again prospers. As regular readers of this blog know,...
And Now Utility Bills!
Electric payment company Payless Power released a report showing how Americans are being forced to choose between keeping the lights on, buying groceries, or paying for medicine. They conducted a survey of 1,069 people, including nearly half of whom came...
Taking From Peter to Pay Paul
Do you, or would you, consider yourself a "high earner" with a salary of $145k/year? Try asking a family of four in NYC that question, when you consider the expenses from taxes (federal, state, city, sales, and property), the housing...
I'm Concerned! Are You?
I've been concerned about the U.S. retirement industry for many years, with a particular focus on traditional pensions. The demise of DB pensions is a major social and economic issue for a significant majority of American workers, who fear that...
Today is National 401(k) Day. Where is National DB Pension Plan Day?
By: Russ Kamp, CEO , Ryan ALM, Inc. I suspect that most of us have no idea that today, September 5, 2025, is National 401(k) Day. This day is recognized every year on the Friday following Labor Day. The day...
Where's The Beef?
In case this little ditty got by you, today is National Hamburger Day. According to the history books, the beef patty that most of us love originated in Hamburg, Germany. It has nothing to do with the meat, which as...
DC Participants: "Just Say No"
Most everyone who lived through the '80s will remember the slogan "Just Say No". The slogan was created and championed by Nancy Reagan during her husband's presidency. As you'll recall, the slogan was part of the U.S.-led war on drugs....
A Retirement is Out of the Question for Many - Unfortunately!
Is there such a thing as a retirement anymore? According to Fidelity's Q4 2024 Retirement Analysis, 41% of "retirees" are working, have worked, or are currently seeking work. I would guess that the need to work is strongly correlated to...
How Comforting is $1,305.54/year?
By: Russ Kamp, Managing Director, Ryan ALM, Inc. One doesn't have to spend much time on LinkedIn.com these days without seeing a discussion about the pros and cons of Defined Benefit (DB) vs. Defined Contribution (DC) aka 401(k) plans. Anyone...