It is no secret that everyone needs to save for retirement. Without adequate savings, retirees must rely upon the government, their families and charities for support. Americans are not saving enough. They invest poorly. Most retirees depend on Social Security for over half of their retirement income. Over one third of "retirement" income comes from working wages. The government is deeply in debt. Social Security is highly flawed. The traditional nuclear family is history. Supportive charities are struggling for donations. The retirees of tomorrow must be able to support themselves. Everyone knows this. Wealth accumulation is high on everybody's "to do" list. So, why can't people save and invest effectively? There are many reasons. Most of them can be fixed - especially by employers. Jay Lumbert is one of the nation's foremost authorities on retirement. His companies have helped more than a thousand employers design, build and manage retirement plans. As the founding CEO of two full-service investment firms, Jay has personally helped more than ten thousand individuals plan for retirement success. In the 1990s, Jay helped conceive and create the first open-architecture 401(k) program. Open architecture helped companies slash plan expenses. It gave employers access to nearly all legal investments. It allowed companies to design custom solutions, with world-class investment choices. It also made things far more complicated. Offering good investments is not enough to help employees maximize their retirement savings. Too many choices intimidates and confuses many employees. Without proper design and education, retirement plans usually fall well short of accomplishing their potential. This led Jay to write this book. Retirement Plans Simplified By Jay shares the latest techniques that employers can use to maximize employee participation in their 401(k) plans. It shows employers how to help employees significantly improve their investment results. This book also helps plan fiduciaries protect themselves against the breach of financial regulations, and find efficient ways to help executives save more money. It also shows business owners how to set aside more in tax-favored assets. Jay's companion book, Retirement Planning Simplified By Jay, helps employers impart the critical investment knowledge that all employees must know and understand. When used together, many employers will achieve radical changes for the good of all. Jay has a BA in psychology and economics, plus a graduate degree in writing. Jay knows how to present complex topics in easy-to-understand ways. As the author of Working HR: A Functional Reference Guide, Jay has studied the personnel challenges facing today's companies. He understands the delicate financial balance that gets weighed against all benefits. This book explains each retirement planning strategy that employers can implement - for themselves and for their employees. Whichever plan, or combination of plans, utilized will depend upon the reader's personal and corporate goals.