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MANAGE YOUR DATA

The American Retirement Association (ARA) and its sister organizations (ASPPA,
ASEA, NAPA, NTSA, and PSCA) use technologies like cookies to gather information
about visitors for a range of purposes, including:

 * Functional: Ensuring our websites operate correctly and efficiently
 * Statistical: Analyzing usage data to improve our services
 * Marketing: Providing you with personalized content and recommendations

By clicking “Accept,” you agree to the use of all cookies on this and other ARA
websites. You can customize your preferences by selecting the purposes you
consent to and clicking "Save Settings."
You can change your preferences or withdraw your consent at any time by
selecting the icon at the bottom left corner of our website. Read more about
cookies Google privacy policy
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NECESSARY

Strictly necessary cookies help make a website navigable by activating basic
functions such as page navigation and access to secure website areas. Without
these cookies, the website would not be able to work properly.

Service: American Retirement Association Purpose: Privacy policy: American
Retirement Association - Privacy policy(opens in a new tab) Expiry: a year Name:
ARA.ApplicationCookie Vendor: usaretirement.org Service: American Retirement
Association Purpose: Privacy policy: American Retirement Association - Privacy
policy(opens in a new tab) Expiry: a year Name: ASPPA.ApplicationCookie Vendor:
asppa-net.org Service: American Retirement Association Purpose: Privacy policy:
American Retirement Association - Privacy policy(opens in a new tab) Expiry: a
year Name: NAPA.ApplicationCookie Vendor: napa-net.org Service: American
Retirement Association Purpose: Privacy policy: American Retirement Association
- Privacy policy(opens in a new tab) Expiry: a year Name: NTSA.ApplicationCookie
Vendor: ntsa-net.org Service: American Retirement Association Purpose: Privacy
policy: American Retirement Association - Privacy policy(opens in a new tab)
Expiry: a year Name: PSCA.ApplicationCookie Vendor: psca.org Service: American
Retirement Association Purpose: Privacy policy: American Retirement Association
- Privacy policy(opens in a new tab) Expiry: a year Name: EPiNumberOfVisits
Vendor: www.ntsa-net.org Service: Optimizely Purpose: Collects information about
the users and their activity on the website through embedded video players for
analytics and reporting purposes. Privacy policy: Optimizely - Privacy
policy(opens in a new tab) Expiry: a year Name: vuid Vendor: www.ntsa-net.org
Service: Cookie Information Purpose: Supports the website's technical functions.
Privacy policy: Cookie Information - Privacy policy(opens in a new tab) Expiry:
a year Name: CookieInformationConfig Vendor: policy.app.cookieinformation.com
Service: American Retirement Association Purpose: Collects information about the
users and their activity on the website. The information is used to track and
analyze user behaviour and to deliver targeted advertising. Privacy policy:
American Retirement Association - Privacy policy(opens in a new tab) Expiry:
Session Name: EPiStateMarker Vendor: www.ntsa-net.org Service: Microsoft Azure
Purpose: Required for the website to perform properly. Privacy policy: Microsoft
Azure - Privacy policy(opens in a new tab) Expiry: Session Name: ARRAffinity
Vendor: .www.ntsa-net.org Service: Microsoft Azure Purpose: Required for the
website to perform properly. Privacy policy: Microsoft Azure - Privacy
policy(opens in a new tab) Expiry: Session Name: ARRAffinitySameSite Vendor:
.www.ntsa-net.org Service: Cookie Information Purpose: Supports the website's
technical functions. Privacy policy: Cookie Information - Privacy policy(opens
in a new tab) Expiry: a year Name: CookieInformationConsent Vendor:
www.ntsa-net.org Service: Cookie Information Purpose: Used to share consent
across domains. Privacy policy: Cookie Information - Privacy policy(opens in a
new tab) Expiry: a year Name: CookieInformationConsent_xxx Vendor:
policy.app.cookieinformation.com Service: Microsoft, ASP.NET Purpose: Collects
information about the website and its contents for reporting and security
purposes. Privacy policy: Microsoft, ASP.NET - Privacy policy(opens in a new
tab) Expiry: Session Name: .AspNetCore.Antiforgeryxxx Vendor: www.ntsa-net.org
Service: American Retirement Association Purpose: Privacy policy: American
Retirement Association - Privacy policy(opens in a new tab) Expiry: Session
Name: ARA.Session Vendor: www.ntsa-net.org Service: American Retirement
Association Purpose: Privacy policy: American Retirement Association - Privacy
policy(opens in a new tab) Expiry: Session Name: ARA.Session Vendor:
www.usaretirement.org Service: American Retirement Association Purpose: Privacy
policy: American Retirement Association - Privacy policy(opens in a new tab)
Expiry: a year Name: EPiNumberOfVisits Vendor: www.usaretirement.org Service:
American Retirement Association Purpose: Collects information about the users
and their activity on the website. The information is used to track and analyze
user behaviour and to deliver targeted advertising. Privacy policy: American
Retirement Association - Privacy policy(opens in a new tab) Expiry: Session
Name: EPiStateMarker Vendor: www.usaretirement.org Service: Cookie Information
Purpose: Supports the website's technical functions. Privacy policy: Cookie
Information - Privacy policy(opens in a new tab) Expiry: a year Name:
CookieInformationConsent Vendor: www.usaretirement.org Service: Microsoft,
ASP.NET Purpose: Collects information about the website and its contents for
reporting and security purposes. Privacy policy: Microsoft, ASP.NET - Privacy
policy(opens in a new tab) Expiry: Session Name: .AspNetCore.Antiforgeryxxx
Vendor: www.usaretirement.org Service: Microsoft Azure Purpose: Required for the
website to perform properly. Privacy policy: Microsoft Azure - Privacy
policy(opens in a new tab) Expiry: Session Name: ARRAffinity Vendor:
.www.usaretirement.org Service: Microsoft Azure Purpose: Required for the
website to perform properly. Privacy policy: Microsoft Azure - Privacy
policy(opens in a new tab) Expiry: Session Name: ARRAffinitySameSite Vendor:
.www.usaretirement.org Service: Optimizely Purpose: Collects information about
the users and their activity on the website through embedded video players for
analytics and reporting purposes. Privacy policy: Optimizely - Privacy
policy(opens in a new tab) Expiry: a year Name: vuid Vendor:
www.usaretirement.org Service: American Retirement Association Purpose: Collects
information about the users and their activity on the website. The information
is used to track and analyze user behaviour and to deliver targeted advertising.
Privacy policy: American Retirement Association - Privacy policy(opens in a new
tab) Expiry: Session Name: EPiStateMarker Vendor: www.asppa-net.org Service:
American Retirement Association Purpose: Privacy policy: American Retirement
Association - Privacy policy(opens in a new tab) Expiry: Session Name:
ARA.Session Vendor: www.asppa-net.org Service: Cloudflare Purpose: Pending
Privacy policy: Cloudflare - Privacy policy(opens in a new tab) Expiry: Session
Name: _cfuvid Vendor: .vimeo.com Service: Microsoft Azure Purpose: Required for
the website to perform properly. Privacy policy: Microsoft Azure - Privacy
policy(opens in a new tab) Expiry: Session Name: ARRAffinitySameSite Vendor:
.www.asppa-net.org Service: American Retirement Association Purpose: Privacy
policy: American Retirement Association - Privacy policy(opens in a new tab)
Expiry: a year Name: EPiNumberOfVisits Vendor: www.asppa-net.org Service:
Microsoft Azure Purpose: Required for the website to perform properly. Privacy
policy: Microsoft Azure - Privacy policy(opens in a new tab) Expiry: Session
Name: ARRAffinity Vendor: .www.asppa-net.org Service: Microsoft, ASP.NET
Purpose: Collects information about the website and its contents for reporting
and security purposes. Privacy policy: Microsoft, ASP.NET - Privacy policy(opens
in a new tab) Expiry: Session Name: .AspNetCore.Antiforgeryxxx Vendor:
www.asppa-net.org Service: Cookie Information Purpose: Supports the website's
technical functions. Privacy policy: Cookie Information - Privacy policy(opens
in a new tab) Expiry: a year Name: CookieInformationConsent Vendor:
www.asppa-net.org Service: Optimizely Purpose: Collects information about the
users and their activity on the website through embedded video players for
analytics and reporting purposes. Privacy policy: Optimizely - Privacy
policy(opens in a new tab) Expiry: a year Name: vuid Vendor: www.asppa-net.org
Service: American Retirement Association Purpose: Collects information about the
users and their activity on the website. The information is used to track and
analyze user behaviour and to deliver targeted advertising. Privacy policy:
American Retirement Association - Privacy policy(opens in a new tab) Expiry:
Session Name: EPiStateMarker Vendor: www.napa-net.org Service: Microsoft Azure
Purpose: Required for the website to perform properly. Privacy policy: Microsoft
Azure - Privacy policy(opens in a new tab) Expiry: Session Name: ARRAffinity
Vendor: .www.napa-net.org Service: American Retirement Association Purpose:
Privacy policy: American Retirement Association - Privacy policy(opens in a new
tab) Expiry: Session Name: ARA.Session Vendor: www.napa-net.org Service:
Microsoft, ASP.NET Purpose: Collects information about the website and its
contents for reporting and security purposes. Privacy policy: Microsoft, ASP.NET
- Privacy policy(opens in a new tab) Expiry: Session Name:
.AspNetCore.Antiforgeryxxx Vendor: www.napa-net.org Service: American Retirement
Association Purpose: Privacy policy: American Retirement Association - Privacy
policy(opens in a new tab) Expiry: a year Name: EPiNumberOfVisits Vendor:
www.napa-net.org Service: Microsoft Azure Purpose: Required for the website to
perform properly. Privacy policy: Microsoft Azure - Privacy policy(opens in a
new tab) Expiry: Session Name: ARRAffinitySameSite Vendor: .www.napa-net.org
Service: American Retirement Association Purpose: Privacy policy: American
Retirement Association - Privacy policy(opens in a new tab) Expiry: Session
Name: EPiVisitedCategories Vendor: www.napa-net.org Service: Cookie Information
Purpose: Supports the website's technical functions. Privacy policy: Cookie
Information - Privacy policy(opens in a new tab) Expiry: a year Name:
CookieInformationConsent Vendor: www.napa-net.org Service: Optimizely Purpose:
Collects information about the users and their activity on the website through
embedded video players for analytics and reporting purposes. Privacy policy:
Optimizely - Privacy policy(opens in a new tab) Expiry: a year Name: vuid
Vendor: www.napa-net.org Service: Microsoft Azure Purpose: Required for the
website to perform properly. Privacy policy: Microsoft Azure - Privacy
policy(opens in a new tab) Expiry: Session Name: ARRAffinity Vendor:
.www.psca.org Service: American Retirement Association Purpose: Privacy policy:
American Retirement Association - Privacy policy(opens in a new tab) Expiry:
Session Name: ARA.Session Vendor: www.psca.org Service: American Retirement
Association Purpose: Collects information about the users and their activity on
the website. The information is used to track and analyze user behaviour and to
deliver targeted advertising. Privacy policy: American Retirement Association -
Privacy policy(opens in a new tab) Expiry: Session Name: EPiStateMarker Vendor:
www.psca.org Service: Cookie Information Purpose: Supports the website's
technical functions. Privacy policy: Cookie Information - Privacy policy(opens
in a new tab) Expiry: a year Name: CookieInformationConsent Vendor: www.psca.org
Service: Optimizely Purpose: Collects information about the users and their
activity on the website through embedded video players for analytics and
reporting purposes. Privacy policy: Optimizely - Privacy policy(opens in a new
tab) Expiry: a year Name: vuid Vendor: www.psca.org Service: American Retirement
Association Purpose: Privacy policy: American Retirement Association - Privacy
policy(opens in a new tab) Expiry: a year Name: EPiNumberOfVisits Vendor:
www.psca.org Service: Microsoft Azure Purpose: Required for the website to
perform properly. Privacy policy: Microsoft Azure - Privacy policy(opens in a
new tab) Expiry: Session Name: ARRAffinitySameSite Vendor: .www.psca.org
Service: Microsoft, ASP.NET Purpose: Collects information about the website and
its contents for reporting and security purposes. Privacy policy: Microsoft,
ASP.NET - Privacy policy(opens in a new tab) Expiry: Session Name:
.AspNetCore.Antiforgeryxxx Vendor: www.psca.org


FUNCTIONAL

Functional cookies make it possible to save information that changes the way the
website appears or acts. For instance your preferred language or region.

Service: American Retirement Association Purpose: Privacy policy: American
Retirement Association - Privacy policy(opens in a new tab) Expiry: a year Name:
lhnContact Vendor: .usaretirement.org Service: LiveHelpNow Purpose: Privacy
policy: LiveHelpNow - Privacy policy(opens in a new tab) Expiry: a year Name:
lhnContact Vendor: .napa-net.org Service: LiveHelpNow Purpose: Privacy policy:
LiveHelpNow - Privacy policy(opens in a new tab) Expiry: a year Name: lhnContact
Vendor: .ntsa-net.org Service: LiveHelpNow Purpose: Privacy policy: LiveHelpNow
- Privacy policy(opens in a new tab) Expiry: a year Name: lhnContact Vendor:
.psca.org Service: American Retirement Association Purpose: Privacy policy:
American Retirement Association - Privacy policy(opens in a new tab) Expiry: a
year Name: lhnJWT Vendor: .usaretirement.org Service: LiveHelpNow Purpose:
Privacy policy: LiveHelpNow - Privacy policy(opens in a new tab) Expiry: a year
Name: lhnJWT Vendor: .napa-net.org Service: LiveHelpNow Purpose: Privacy policy:
LiveHelpNow - Privacy policy(opens in a new tab) Expiry: a year Name: lhnJWT
Vendor: .ntsa-net.org Service: LiveHelpNow Purpose: Privacy policy: LiveHelpNow
- Privacy policy(opens in a new tab) Expiry: a year Name: lhnJWT Vendor:
.psca.org Service: LiveHelpNow Purpose: Privacy policy: LiveHelpNow - Privacy
policy(opens in a new tab) Expiry: a year Name: lhnRefresh Vendor:
.usaretirement.org Service: LiveHelpNow Purpose: Privacy policy: LiveHelpNow -
Privacy policy(opens in a new tab) Expiry: a year Name: lhnRefresh Vendor:
.napa-net.org Service: LiveHelpNow Purpose: Privacy policy: LiveHelpNow -
Privacy policy(opens in a new tab) Expiry: a year Name: lhnRefresh Vendor:
.ntsa-net.org Service: LiveHelpNow Purpose: Privacy policy: LiveHelpNow -
Privacy policy(opens in a new tab) Expiry: a year Name: lhnRefresh Vendor:
.psca.org Service: LiveHelpNow Purpose: Privacy policy: LiveHelpNow - Privacy
policy(opens in a new tab) Expiry: a year Name: lhnStorageType Vendor:
.usaretirement.org Service: LiveHelpNow Purpose: Privacy policy: LiveHelpNow -
Privacy policy(opens in a new tab) Expiry: a year Name: lhnStorageType Vendor:
.napa-net.org Service: LiveHelpNow Purpose: Privacy policy: LiveHelpNow -
Privacy policy(opens in a new tab) Expiry: a year Name: lhnStorageType Vendor:
.ntsa-net.org Service: LiveHelpNow Purpose: Privacy policy: LiveHelpNow -
Privacy policy(opens in a new tab) Expiry: a year Name: lhnStorageType Vendor:
.psca.org Service: LiveHelpNow Purpose: Privacy policy: LiveHelpNow - Privacy
policy(opens in a new tab) Expiry: 4 days Name: lhnRefresh Vendor:
.www.asppa-net.org Service: LiveHelpNow Purpose: Privacy policy: LiveHelpNow -
Privacy policy(opens in a new tab) Expiry: a day Name: lhnStorageType Vendor:
.asppa-net.org Service: LiveHelpNow Purpose: Privacy policy: LiveHelpNow -
Privacy policy(opens in a new tab) Expiry: 4 days Name: lhnRefresh Vendor:
.asppa-net.org Service: Issuu Purpose: Used to embed third-party news media
content to the website. Privacy policy: Issuu - Privacy policy(opens in a new
tab) Expiry: 6 months Name: iutk Vendor: .issuu.com Service: LiveHelpNow
Purpose: Privacy policy: LiveHelpNow - Privacy policy(opens in a new tab)
Expiry: a day Name: lhnJWT Vendor: .asppa-net.org Service: LiveHelpNow Purpose:
Privacy policy: LiveHelpNow - Privacy policy(opens in a new tab) Expiry: a day
Name: lhnJWT Vendor: .www.asppa-net.org Service: Cloudflare Purpose: Supports
the website's technical functions. Privacy policy: Cloudflare - Privacy
policy(opens in a new tab) Expiry: 29 minutes Name: __cf_bm Vendor: .vimeo.com
Service: LiveHelpNow Purpose: Privacy policy: LiveHelpNow - Privacy policy(opens
in a new tab) Expiry: 11 hours Name: lhnStorageType Vendor: .www.asppa-net.org
Service: LiveHelpNow Purpose: LiveHelpNow cookie Privacy policy: LiveHelpNow -
Privacy policy(opens in a new tab) Expiry: a year Name: lhnContact Vendor:
.asppa-net.org Service: LiveHelpNow Purpose: Privacy policy: LiveHelpNow -
Privacy policy(opens in a new tab) Expiry: a year Name: lhnContact Vendor:
.www.asppa-net.org


STATISTICAL

Statistical cookies help the website owner understand how visitors interact with
the website by collecting and reporting information.

Service: Google Analytics Purpose: Privacy policy: Google Analytics - Privacy
policy(opens in a new tab) Expiry: a year Name: _ga_xxx Vendor: www.ntsa-net.org
Service: Microsoft Azure Purpose: Collects information about the users, which is
used for market analytics and reporting purposes. Privacy policy: Microsoft
Azure - Privacy policy(opens in a new tab) Expiry: 30 minutes Name: ai_session
Vendor: www.ntsa-net.org Service: Microsoft Azure Purpose: Collects information
about the users, which is used for market analytics and reporting purposes.
Privacy policy: Microsoft Azure - Privacy policy(opens in a new tab) Expiry: a
year Name: ai_user Vendor: www.ntsa-net.org Service: Google Analytics Purpose:
Collects information about the users and their activity on the website for
analytics and reporting purposes. Privacy policy: Google Analytics - Privacy
policy(opens in a new tab) Expiry: a year Name: _ga Vendor: .ntsa-net.org
Service: Google Analytics Purpose: Privacy policy: Google Analytics - Privacy
policy(opens in a new tab) Expiry: a year Name: _ga_xxx Vendor: .ntsa-net.org
Service: Google Analytics Purpose: Privacy policy: Google Analytics - Privacy
policy(opens in a new tab) Expiry: a year Name: _ga_xxx Vendor:
.www.ntsa-net.org Service: Microsoft Azure Purpose: Collects information about
the users, which is used for market analytics and reporting purposes. Privacy
policy: Microsoft Azure - Privacy policy(opens in a new tab) Expiry: 30 minutes
Name: ai_session Vendor: www.usaretirement.org Service: Microsoft Azure Purpose:
Collects information about the users, which is used for market analytics and
reporting purposes. Privacy policy: Microsoft Azure - Privacy policy(opens in a
new tab) Expiry: a year Name: ai_user Vendor: www.usaretirement.org Service:
Google Analytics Purpose: Collects information about the users and their
activity on the website for analytics and reporting purposes. Privacy policy:
Google Analytics - Privacy policy(opens in a new tab) Expiry: a year Name: _ga
Vendor: .usaretirement.org Service: Google Analytics Purpose: Privacy policy:
Google Analytics - Privacy policy(opens in a new tab) Expiry: a year Name:
_ga_xxx Vendor: .usaretirement.org Service: Microsoft Azure Purpose: Collects
information about the users, which is used for market analytics and reporting
purposes. Privacy policy: Microsoft Azure - Privacy policy(opens in a new tab)
Expiry: a year Name: ai_user Vendor: www.asppa-net.org Service: Microsoft Azure
Purpose: Collects information about the users, which is used for market
analytics and reporting purposes. Privacy policy: Microsoft Azure - Privacy
policy(opens in a new tab) Expiry: 30 minutes Name: ai_session Vendor:
www.asppa-net.org Service: Quantcast Purpose: Collects information about the
users and their activity on the website for analytics and reporting purposes.
Privacy policy: Quantcast - Privacy policy(opens in a new tab) Expiry: a year
Name: mc Vendor: .quantserve.com Service: Spotify Purpose: Used to analyze the
usage of embedded music players on the website. Privacy policy: Spotify -
Privacy policy(opens in a new tab) Expiry: a year Name: sp_t Vendor:
.spotify.com Service: Google Analytics Purpose: Privacy policy: Google Analytics
- Privacy policy(opens in a new tab) Expiry: a year Name: _ga_xxx Vendor:
.www.asppa-net.org Service: Spotify Purpose: Used to analyze the usage of
embedded music players on the website. Privacy policy: Spotify - Privacy
policy(opens in a new tab) Expiry: a day Name: sp_landing Vendor: .spotify.com
Service: Google Analytics Purpose: Privacy policy: Google Analytics - Privacy
policy(opens in a new tab) Expiry: a year Name: _ga_xxx Vendor:
www.asppa-net.org Service: Google Analytics Purpose: Collects information about
the users and their activity on the website for analytics and reporting
purposes. Privacy policy: Google Analytics - Privacy policy(opens in a new tab)
Expiry: a year Name: _ga Vendor: .asppa-net.org Service: Google Analytics
Purpose: Privacy policy: Google Analytics - Privacy policy(opens in a new tab)
Expiry: a year Name: _ga_xxx Vendor: .asppa-net.org Service: Google Analytics
Purpose: Collects information about the users and their activity on the website
for analytics and reporting purposes. Privacy policy: Google Analytics - Privacy
policy(opens in a new tab) Expiry: a year Name: _ga Vendor: .napa-net.org
Service: Google Analytics Purpose: Privacy policy: Google Analytics - Privacy
policy(opens in a new tab) Expiry: a year Name: _ga_xxx Vendor: www.napa-net.org
Service: Google Analytics Purpose: Privacy policy: Google Analytics - Privacy
policy(opens in a new tab) Expiry: a year Name: _ga_xxx Vendor: .napa-net.org
Service: Microsoft Azure Purpose: Collects information about the users, which is
used for market analytics and reporting purposes. Privacy policy: Microsoft
Azure - Privacy policy(opens in a new tab) Expiry: a year Name: ai_user Vendor:
www.napa-net.org Service: Google Analytics Purpose: Privacy policy: Google
Analytics - Privacy policy(opens in a new tab) Expiry: a year Name: _ga_xxx
Vendor: .www.napa-net.org Service: Microsoft Azure Purpose: Collects information
about the users, which is used for market analytics and reporting purposes.
Privacy policy: Microsoft Azure - Privacy policy(opens in a new tab) Expiry: 29
minutes Name: ai_session Vendor: www.napa-net.org Service: Microsoft Azure
Purpose: Collects information about the users, which is used for market
analytics and reporting purposes. Privacy policy: Microsoft Azure - Privacy
policy(opens in a new tab) Expiry: a year Name: ai_user Vendor: www.psca.org
Service: Google Analytics Purpose: Privacy policy: Google Analytics - Privacy
policy(opens in a new tab) Expiry: a year Name: _ga_xxx Vendor: .www.psca.org
Service: Google Analytics Purpose: Collects information about the users and
their activity on the website for analytics and reporting purposes. Privacy
policy: Google Analytics - Privacy policy(opens in a new tab) Expiry: a year
Name: _ga Vendor: .psca.org Service: Google Analytics Purpose: Privacy policy:
Google Analytics - Privacy policy(opens in a new tab) Expiry: a year Name:
_ga_xxx Vendor: www.psca.org Service: Microsoft Azure Purpose: Collects
information about the users, which is used for market analytics and reporting
purposes. Privacy policy: Microsoft Azure - Privacy policy(opens in a new tab)
Expiry: 30 minutes Name: ai_session Vendor: www.psca.org Service: Google
Analytics Purpose: Privacy policy: Google Analytics - Privacy policy(opens in a
new tab) Expiry: a year Name: _ga_xxx Vendor: .psca.org


MARKETING

Marketing cookies are used to track visitors across websites. The intention is
to display ads that are relevant and interesting to the individual user and thus
more valuable for publishers and third-party advertisers. Marketing cookies also
allow us to provide you with personalized content recommendations based on your
preferences.

Service: Optimizely Purpose: Privacy policy: Optimizely - Privacy policy(opens
in a new tab) Expiry: a year Name: iv Vendor: .ntsa-net.org Service: Episerver
Purpose: Collects information about the users and their activity on the website.
The information is used to track and analyze user behaviour and to deliver
targeted advertising. Privacy policy: Episerver - Privacy policy(opens in a new
tab) Expiry: 3 months Name: .EPiForm_BID Vendor: www.ntsa-net.org Service:
Episerver Purpose: Collects information about the users and their activity on
the website. The information is used to track and analyze user behaviour and to
deliver targeted advertising. Privacy policy: Episerver - Privacy policy(opens
in a new tab) Expiry: 3 months Name: .EPiForm_VisitorIdentifier Vendor:
www.ntsa-net.org Service: Optimizely Purpose: Privacy policy: Optimizely -
Privacy policy(opens in a new tab) Expiry: 30 minutes Name: is Vendor:
.ntsa-net.org Service: Google Marketing Platform Purpose: Used for online
marketing by collecting information about the users and their activity on the
website. The information is used to target advertising to the user across
different channels and devices. Privacy policy: Google Marketing Platform -
Privacy policy(opens in a new tab) Expiry: 15 minutes Name: test_cookie Vendor:
.doubleclick.net Service: Google Marketing Platform Purpose: Used for online
marketing by collecting information about the users and their activity on the
website. The information is used to target advertising to the user across
different channels and devices. Privacy policy: Google Marketing Platform -
Privacy policy(opens in a new tab) Expiry: a year Name: IDE Vendor:
.doubleclick.net Service: American Retirement Association Purpose: Privacy
policy: American Retirement Association - Privacy policy(opens in a new tab)
Expiry: a year Name: iv Vendor: .usaretirement.org Service: Episerver Purpose:
Collects information about the users and their activity on the website. The
information is used to track and analyze user behaviour and to deliver targeted
advertising. Privacy policy: Episerver - Privacy policy(opens in a new tab)
Expiry: 3 months Name: .EPiForm_VisitorIdentifier Vendor: www.usaretirement.org
Service: Episerver Purpose: Collects information about the users and their
activity on the website. The information is used to track and analyze user
behaviour and to deliver targeted advertising. Privacy policy: Episerver -
Privacy policy(opens in a new tab) Expiry: 3 months Name: .EPiForm_BID Vendor:
www.usaretirement.org Service: Optimizely Purpose: Privacy policy: Optimizely -
Privacy policy(opens in a new tab) Expiry: 30 minutes Name: is Vendor:
.usaretirement.org Service: Optimizely Purpose: Privacy policy: Optimizely -
Privacy policy(opens in a new tab) Expiry: a year Name: iv Vendor:
.asppa-net.org Service: Optimizely Purpose: Privacy policy: Optimizely - Privacy
policy(opens in a new tab) Expiry: 30 minutes Name: is Vendor: www.asppa-net.org
Service: Episerver Purpose: Collects information about the users and their
activity on the website. The information is used to track and analyze user
behaviour and to deliver targeted advertising. Privacy policy: Episerver -
Privacy policy(opens in a new tab) Expiry: 3 months Name: .EPiForm_BID Vendor:
www.asppa-net.org Service: Episerver Purpose: Collects information about the
users and their activity on the website. The information is used to track and
analyze user behaviour and to deliver targeted advertising. Privacy policy:
Episerver - Privacy policy(opens in a new tab) Expiry: 3 months Name:
.EPiForm_VisitorIdentifier Vendor: www.asppa-net.org Service: Optimizely
Purpose: Privacy policy: Optimizely - Privacy policy(opens in a new tab) Expiry:
30 minutes Name: is Vendor: .asppa-net.org Service: Episerver Purpose: Collects
information about the users and their activity on the website. The information
is used to track and analyze user behaviour and to deliver targeted advertising.
Privacy policy: Episerver - Privacy policy(opens in a new tab) Expiry: 3 months
Name: .EPiForm_BID Vendor: www.napa-net.org Service: Optimizely Purpose: Privacy
policy: Optimizely - Privacy policy(opens in a new tab) Expiry: 29 minutes Name:
is Vendor: .napa-net.org Service: Optimizely Purpose: Privacy policy: Optimizely
- Privacy policy(opens in a new tab) Expiry: a year Name: iv Vendor:
.napa-net.org Service: Episerver Purpose: Collects information about the users
and their activity on the website. The information is used to track and analyze
user behaviour and to deliver targeted advertising. Privacy policy: Episerver -
Privacy policy(opens in a new tab) Expiry: 3 months Name:
.EPiForm_VisitorIdentifier Vendor: www.napa-net.org Service: Episerver Purpose:
Collects information about the users and their activity on the website. The
information is used to track and analyze user behaviour and to deliver targeted
advertising. Privacy policy: Episerver - Privacy policy(opens in a new tab)
Expiry: 3 months Name: .EPiForm_BID Vendor: www.psca.org Service: Optimizely
Purpose: Privacy policy: Optimizely - Privacy policy(opens in a new tab) Expiry:
a year Name: iv Vendor: .psca.org Service: Optimizely Purpose: Privacy policy:
Optimizely - Privacy policy(opens in a new tab) Expiry: 30 minutes Name: is
Vendor: .psca.org Service: Episerver Purpose: Collects information about the
users and their activity on the website. The information is used to track and
analyze user behaviour and to deliver targeted advertising. Privacy policy:
Episerver - Privacy policy(opens in a new tab) Expiry: 3 months Name:
.EPiForm_VisitorIdentifier Vendor: www.psca.org


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Virtual Conference


UNLOCK EXPERT INSIGHTS THIS DECEMBER

The ASPPA Winter Symposium, held virtually December 9-10, offers in-depth,
technical education for retirement plan professionals who provide consulting
services for clients and prospects. It takes a deep dive into the application
and implementation of ERISA rules, covering topics such as plan design,
distribution planning, tax incentives, and the latest guidance from IRS and DOL.
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See You at ASPPA Annual!

ASPPA Annual, the yearly gathering that features an opportunity for members to
gather, gain insights and obtain critical information from industry experts, and
exchange ideas with each other, is upon us.

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Fall Issue of Plan Consultant Is Now Online!

Sayers of sooth sometimes warn of a retirement crisis. But it could be that the
doomsday warnings are premised on faulty data, not faulty practices. In the
cover story, Paul Mulholland explores whether the warnings are the calls of
Chicken Little or have merit.

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Lawsuit Against Fidelity Results from Data Breach

After a data breach, a lawsuit seeks to hold Fidelity accountable for a “massive
and preventable data breach of Defendant’s inadequately protected computer
network.

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Forfeiture Litigation, Meeting Minutes and More: Nevin & Fred Live

In a “live” version of the Nevin & Fred podcast at the Strategic Retirement
Partners (SRP) annual conference, Nevin Adams and Fred Reish, along with Bonnie
Treichel and Tom Clark, cover recent litigation trends — and more!


Read More
PBGC Premium Rates for 2025 Show Hikes as Well as Stability

The Pension Benefit Guaranty Corporation has issued the premium rates applicable
for plan years beginning in 2025; some show increases, while others are
relatively stable.

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Getting Ready for ‘Landfall’

The headlines about a retirement “crisis” are once again out in full season —
but like a tropical storm still well out to sea, there are widely varying
assessments as to just how big it is, and when and where it will make “landfall.

Read More
Retirement Income, Longevity Risk and Liquidity Needs— Striking a Balance

A drawdown withdrawal strategy paired with guaranteed income from a deferred
annuity can provide a high level of retirement income, while maintaining
adequate liquidity for retirees, argues a new white paper.

Read More
Safe Harbor in Replacing a SIMPLE IRA: Nothing Is Simple!

On the surface it may seem straightforward to terminate a SIMPLE IRA plan
mid-year and replace it with a safe-harbor 401(k) or 403(b), but some planning
is necessary to successfully execute this change.

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GROW YOUR SALES & ENHANCE CLIENT ENGAGEMENT

The Qualified 401(k) Specialist (QKS™) credential program equips retirement plan
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What Could Happen with the 2025 Retirement Plan Limits?

An updated forecast for the 2025 retirement plan limits projects that almost
every key Internal Revenue Code (IRC) limit for qualified retirement plans will
rise for 2025, but the final numbers could depend on the level of inflation this
month.

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Participant Loans - Technical Matters and Best Practices

Review the technical ins and outs of participants loans while exploring best
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establish a strong foundation of understanding. Discuss the can-dos versus
should-dos when designing a loan policy. Explore best practices for successful
loan administration.

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