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Modifications to retirement plans or plan formulas should hold harmless current beneficiaries and employees.

Policymakers should adopt new and expanded progressive savings incentives.

Congress should make improvements to the saver’s credit. The credit should be phased out gradually and smoothly as income increases.

States should establish state-facilitated savings arrangements that will increase employee participation in retirement savings options.

Congress should pass legislation establishing an Auto IRA and resolve the technical issues that will allow this vehicle to realize its full potential.

Policymakers should create and expand supplemental individual retirement savings accounts that would enable workers to accumulate retirement savings in addition to Social Security

Policymakers should encourage measures to increase individuals’ ability to save for retirement.

Policymakers should allow employers to provide student loan-repayment aid as a tax-free benefit.

Consumers should have access to a range of safe, reliable, affordable, and customizable emergency and short-term savings options.

Policymakers and the private sector should develop and implement transportation programs and services to improve community transportation resources for older adults.