The answer may be all in your head. New research identifies five common human behaviors that actually get in the way of planning for your financial future. The key to overcoming them is understanding them.
When it comes to preparing for the future, thinking about your future self can be the hardest part. Find out how the way you look at longevity can change everything.
Answer three easy questions and the Future Value Calculator will provide you with an estimate of how much retirement savings you have the potential to accumulate by your desired retirement age, based on your current savings rate.Test drive the Future Value Calculator
Ready for a glimpse into your financial future? Our Retirement Lifestyle Calculator can help you learn if you may be saving enough money to afford the kind of retirement you desire.Try the Retirement Lifestyle Calculator
It's easier to daydream about retirement than spend the time you need to plan for it. Find out how to stop putting off planning for your financial future.
We all procrastinate more than we’d like. So what if we stopped? Could we really accomplish more?Try the Procrastination Calculator
Understanding your unique style of procrastination can help you identify why you’re putting things off and what you can do to fight it.Use the tool: The Procrastination Quiz
Spending more time thinking about the good things in our future and less time imagining the bad ones can leave us overly optimistic—and unprepared for the worst.
See what happens when we host a seminar to tell people about the human tendency to be overly optimistic about the future.Watch Episode Four: The Optimism Bias
How good are you at assessing risk in your life? Play this game to see how prepared you really are for the unexpected.Let's play
When everyone's doing something, we assume there's a good reason and we follow along. But sometimes that gets us in trouble.
Our desire to fit in with the group is so strong that it can make us change our behaviors. Even when we know that the group is wrong.Watch–Everybody's doing it
Predicting the ups and downs of the market is trickier than you think. See why emotional reactions can hurt us in the long run.Try to Outsmart the Market now
Would you rather have $100 today or $110 two days from now? Our desire for immediate gratification today can actually have a big impact on retirement.
Temptation is everywhere. But if you can just show a little restraint, you can enjoy much greater rewards in the future.Watch the video: Overcoming Temptation
Try this calculator to see how automatic payment services make it easy to spend a lot of money without even realizing it.Calculate
Get contact information for your financial guidance professionals & plan administrators.View plan contactsGET IN TOUCH
Manage your information, review your plan details and more.Create an online accountSIGN UP FOR AN ACCOUNT