A practical guide for building a retirement system that serves all Americans and fuels long-term economic growth
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All book proceeds will be donated to charity.
Preventing a retirement crisis with a bold new vision
Americans face a looming crisis because millions of people near retirement age have little money saved. Confronting this challenge head on, Robert L. Reynolds, a builder of workplace savings plans since the 1980s, lays out a vision of retirement security for all Americans.
Giving direction to America’s retirement debate
In From Here to Security, Reynolds argues for building on the two pillars of our current system — Social Security and workplace savings plans — by making wise policy decisions to enhance their effectiveness.
The Workplace Savings 4.0 agenda
Reynolds offers common-sense policy proposals to build a 21st-century retirement system. He calls on lawmakers to:
- Preserve and expand existing savings incentives
- Give more workers access by allowing multi-employer plans
- Create Saver’s Credits for employers who establish workplace plans
- Bring part-time, freelance, and contract workers into the system
- Provide tax incentives to promote lifetime income options
- Allow retirees to make tax-free withdrawals for health insurance or medical care
Automatic features jumpstart retirement savings
January 11, 2018
As the 401(k) developed, many in the industry turned to research on behavioral finance and designed plans to help workers build retirement savings.
Let’s help retirees manage health costs
December 14, 2017
Investors traditionally have focused on inflation and taxes as risks to retirement savings, but health costs now exceed those financial pressures.
Unfortunately, too many Americans still do not have access to a 401(k) at work. The many suggestions outlined in the book would go a long way toward fixing this problem and allowing Americans the opportunity to achieve a secure retirement.
Chief Executive Officer
American Retirement Association
This new book examines America’s retirement system honestly and comprehensively, and makes the case that further strengthening defined contribution retirement plans offers us a way to increase savings, and give more Americans the peace of mind that comes with having a secure retirement.
Senator from Ohio
Member of the Senate Committee on Finance
America has an urgent need to get more people better prepared for retirement. Bob Reynolds answers the call by clearly and boldly outlining his ideas to help solve the challenges workers and families across America face as they struggle to save for retirement.
GOVERNOR TIM PAWLENTY
CEO and President
Financial Services Roundtable
When individuals are given the tools to save for retirement, they’re not only securing their futures, they’re fueling the capital markets that drive our economy. As one of the pioneers of workplace retirement savings, Bob Reynolds has dedicated his career to giving consumers those tools and strengthening the economy for all of us.
President and CEO
U.S. Chamber of Commerce
For any nation, saving provides a vital engine for long-term economic prosperity and stability. Bob Reynolds is to be congratulated on his compelling analysis of these benefits and for highlighting the critical role of workplace plans in encouraging people to save.
Robert L. Reynolds
With more than three decades of distinguished leadership in the investment management industry, Robert L. Reynolds is regarded as a driving force of innovation and progress in institutional and retail financial services, and a thought leader in retirement industry development and policy. Currently he is President and CEO of Boston-based Putnam Investments and Denver-based Great-West Financial, and provides leadership and strategic direction to Empower Retirement, the retirement division of Great-West Financial.
For more than 30 years, Mr. Reynolds has been committed to making workplace savings plans achieve their full potential as tools to help people achieve retirement readiness. He has focused on growing and strengthening the 401(k) plan as a key component of the nation’s retirement system.
Mr. Reynolds's tireless advocacy for reforming and revitalizing the nation’s public and private retirement system is widely recognized. He has addressed countless industry organizations and think tanks across the globe, written numerous white papers, and provided testimony for Congress on all aspects of retirement policy. Over the past decade, Mr. Reynolds has become a prolific blogger, using all channels of social media including his LinkedIn Influencer page, to discuss challenges and opportunities in the retirement industry.
Mr. Reynolds currently serves on several not-for-profit boards, including those of West Virginia University Foundation, Concord Museum, Dana-Farber Cancer Institute, and the U.S. Ski and Snowboard Association Foundation. He is Chairman of the Boston Advisory Board of the American Ireland Fund and a member of the Massachusetts General Hospital President’s Council, the Massachusetts High Technology Council Executive Committee, the Chief Executives Club of Boston, and the Council on Competitiveness.