Transform Tomorrow: Awakening the Super Saver In Pursuit of Retirement Readiness

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Overview

Despite the best efforts of the retirement servicesindustry, the average American is not saving enough to retirecomfortably. What we need is nothing less than a nationallyrecognized, coordinated retirement readiness campaign along thelines of successful Public Service Announcements—like "TheCrying Indian" and "Rosie the Riveter"—to change behavior andreshape the savings culture of our nation. TransformTomorrow is an initial call to action for such a campaign.

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Overview

Despite the best efforts of the retirement servicesindustry, the average American is not saving enough to retirecomfortably. What we need is nothing less than a nationallyrecognized, coordinated retirement readiness campaign along thelines of successful Public Service Announcements—like "TheCrying Indian" and "Rosie the Riveter"—to change behavior andreshape the savings culture of our nation. TransformTomorrow is an initial call to action for such a campaign.

In addition to investigating why so many Americans are at riskof outliving their savings, Transform Tomorrow poses thequestion: How do we help American workers to retire withconfidence? It draws inspiration from successful behavioral changecampaigns to identify the key drivers of change—context andbeliefs—and how they can be used successfully to boostretirement savings rates. While the retirement savings industryincreasingly understands the contextual drivers of behavioralchange and is beginning to apply them, very little has been done toshape our beliefs to get us to start saving smarter and sooner.Transform Tomorrow kick-starts the conversation needed todevelop a retirement readiness campaign that will inspire andenlist the support of individuals, employers, industry, government,and the media.

As a clarion call for raising a new level of consciousnessaround retirement readiness, Transform Tomorrowexplains:

  • Why "Super Savers" confidently set aside enough to retireearlier than the norm, while the vast majority of Americans remainill-prepared for what's to come.
  • What new, system-wide "contextual" drivers are needed to ensurecitizens can outlive their retirement savings.
  • How our beliefs need to change in order for Americans tofundamentally shift course on retirement readiness.
  • Who needs to be involved (and how) in crafting a compelling and"sticky" message for a visionary retirement readinesscampaign.

Retiring with dignity in America is endangered. TransformTomorrow outlines a path back from the brink.

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Product Details

  • ISBN-13: 9781118537367
  • Publisher: Wiley
  • Publication date: 1/9/2013
  • Edition number: 1
  • Pages: 208
  • Sales rank: 583,533
  • Product dimensions: 6.30 (w) x 9.10 (h) x 0.90 (d)

Meet the Author

Stig Nybo is the President of Pension Sales andDistribution at Transamerica Retirement Solutions, a top U.S.retirement plan provider. Transamerica Retirement Solutions servesmore than 3 million retirement plan participants. He also serves onthe board of the Transamerica Center for Retirement Studies, anonprofit corporation and private foundation that is dedicated toconducting research and educating the public on emerging trendssurrounding retirement security in the United States.

Liz Alexander, PhD, is a writer, consultant, and businessbook strategist who teaches strategic communications for TheUniversity of Texas at Austin's Professional Development Center.She is a former freelance journalist and the author of 14books.

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Table of Contents

Foreword Alison Cooke Mintzer vii

Acknowledgments ix

Introduction xiii

Chapter 1 Retirement Readiness: The Super Savers and the Ill-Prepared 1

Chapter 2 A Brief History of Retirement 19

Chapter 3 State of the Union 31

Chapter 4 Rise of the DC Plan 43

Chapter 5 Financial Literacy 57

Chapter 6 Lessons Learned, Changing Outcomes 71

Chapter 7 The Power of Context 85

Chapter 8 Beliefs and Resolve 103

Chapter 9 Tell Me a Story 121

Chapter 10 Join the Dance 133

Chapter 11 Letters to Stakeholders 143

Bibliography 153

Glossary 161

List of Contributors 167

Index 175

About the Authors 185

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