Retirement income education for employees

Toolkit to help pre-retirees and recently retired employees make the move from saving to living.

Studies indicate that a large portion of employees feel stressed about preparing for retirement,1 with many identifying retirement as the area where they need the most help from their employers.2

Fidelity’s retirement income education, digital planning tools, and 1:1 support can help! Use these tools to connect and engage with employees about preparing for, transitioning to, and living in retirement. There are videos to share, as well as email templates that can be used to build your own educational programs.


Retirement income—the NetBenefits experience

Provides employees with an overview of the integrated retirement support they can find on NetBenefits®. From digital planning tools to education, and the option to connect 1:1 with a representative—employees can access support at all stages of retirement.

https://fidelity.onemob.com/p/riparticipant

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Fidelity Viewpoints®: Making a Plan for Retirement Income webcast

Informative webcast shows how to create a plan aimed at generating income in retirement. It covers topics like: 

  • Managing 5 key retirement risks 
  • Matching essential expenses with predictable income 
  • Closing potential gaps between income and expenses 
  • Adjusting the plan as time goes by

https://communications.fidelity.com/tem/WI/webcast/hub/?ccsource=w_pswrise_tk_02292024#income

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Email toolkit

This series of email templates aims to educate participants at key stages of the retirement journey and encourages employees to review their retirement savings, as well as to engage with digital planning tools on NetBenefits to help feel more prepared and confident about their finances in the years to come.

Important Note: This email toolkit is for plan sponsors that have entitled certain digital planning experiences and Life Events content on NetBenefits for their employees. These planning tools include Retirement Decision Guide, Retirement Income Calculator, Social Security Benefits Calculator, and Health Insurance Before Medicare Planner—email links may not work otherwise.

Getting ready for life after work

Help employees prepare for retirement. They can identify and prioritize decisions to be made using the Retirement Decision Guide on NetBenefits.

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Retirement income planning

Remind employees to check in on their retirement income plan and educate them on what types of things they should be thinking about.

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Creating predictable income

Educate employees on the importance of predictable income in retirement, and ways to generate it.

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Health care coverage options before Medicare

Inform employees about the choices they have for their health care coverage before they reach age 65 and qualify for Medicare.

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Social Security Benefit Calculator

Help employees estimate what their monthly and lifetime benefits would be at different ages to create a comprehensive claiming strategy.

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Related programs & toolkits for retirement income services from Fidelity

Getting Ready for Retirement Email Triggers Program
Talk to your Fidelity representative about this educational program designed to connect participants to key retirement transition education and digital planning tools to help build their confidence and retirement readiness.

Guaranteed Income – Employee Education
Many employees are concerned about having enough money to cover expenses throughout their lifetime. Offering access to guaranteed income options (in or outside the plan) is a way for you to help them successfully transition into retirement.

Automatic Withdrawals
The Automatic Withdrawals tool helps employees to evaluate, compare, and select the withdrawal strategy that best suits their unique needs for retirement income.

Managed Retirement Funds3
This toolkit is only for plan sponsors who have adopted the Fidelity Managed Retirement Funds as investment options with their retirement plan lineup. It offers resources to educate employees looking for help turning their savings into income.

1 EBRI Retirement Confidence Survey, 2021

2 Wills Towers Watson Global Benefits Attitudes Survey, 2020

3 The Managed Retirement Funds are subject to the volatility of the financial markets, including that of equity and fixed income investments in the United States and abroad, and may be subject to risks associated with investing in high-yield, small-cap, commodity-linked, and foreign securities. Leverage can increase market exposure, magnify investment risks, and cause losses to be realized more quickly. No Managed Retirement Fund is considered a complete retirement program, and there is no guarantee that any single fund will provide sufficient retirement income at or through retirement. Principal invested is not guaranteed at any time, including at or after the funds’ target dates. The fund is designed primarily for investors who seek to convert accumulated assets into regular withdrawals over time. As with any mutual fund, withdrawals will reduce the investment balance, and future returns are not earned on amounts withdrawn.


By using these communications, you represent that you are an authorized representative of the organization for which you are copying, distributing, posting, or otherwise using the Fidelity-prepared communications attached here, and you accept these terms and conditions on behalf of the organization.

FOR PLAN SPONSOR AND INVESTMENT PROFESSIONAL USE ONLY.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

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