RETIREMENT
SECURITY
MATTERS

Embrace Innovation.

Gain Momentum.

Close the Retirement Savings Gap.

WELCOME TO MASSENA ASSOCIATES

Retirement security matters. But many of us in America aren’t there today. 

In the US, where 40% of the workforce aren’t offered work-based retirement access and another 15% work on an independent basis, we don’t save enough. 

In other cases our work-based retirement plans miss some of the human-friendly elements that help us get and stay on the right road: automatic enrollment, automatic escalation, and thoughtful design that simplifies creating a retirement paycheck.

There is a better way.

YOU HAVE A VISION

We have a tested, proven approach to planning, implementation, and operation. Let’s collaborate.

NOTES FROM OUR DESK

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Retirement Security Matters: June 12, 2025
Retirement Security Matters: June 12, 2025

We took a little break from the newsletter last year—but we missed you and we’re back! Welcome to the Campfire Series: a place to share stories that inspire, surprise, and remind us we’re in this together.

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Especially Now - Building Financial Security for the Future: A Conversation with Tim Flacke, CEO of Commonwealth
Especially Now - Building Financial Security for the Future: A Conversation with Tim Flacke, CEO of Commonwealth

In this first leadership interview of our Campfire series, we’re excited to share some very fresh thinking from Tim Flacke, Chief Executive Officer and Cofounder of Commonwealth.  For 30 years he’s focused on solutions that help workers and families in US become more financially secure. Five years ago we talked about what the retirement system would be, if it could be. Today we’re talking about benefits for the future. Will it surprise you to hear the two are linked? 

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Retirement Security Matters: January 4, 2024
Retirement Security Matters: January 4, 2024

Happy New Year 2024, Friends! It’s with much anticipation that we have rounded the corner into this next set of months.

We joke that producing RSM is like writing the newsletter version of War and Peace every two weeks. That said, we are shifting into a new gear. Think of it as beach-bike gear. Hop on – here we go. ♥️

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Retirement Security Matters: December 14, 2023
Retirement Security Matters: December 14, 2023

As we wrap up Hanukkah and race toward Christmas Eve and the New Year, it’s the perfect time for a quick break. Grab a cocoa-coffee and catch up on the latest in retirement security: Starter K insights from Guideline’s Jeff Rosenberger and Jeremy Caballero, fresh state metrics 🥁, updates from Delaware, Maine, and Virginia, a glimpse into 2024 with RSM, a dash of Hot Sauce, and, of course, PIX! Let’s dive in.

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Serving Small Businesses with Starter K: with Guideline’s Jeff Rosenberger and Jeremy ‘Cabs’ Caballero
Serving Small Businesses with Starter K: with Guideline’s Jeff Rosenberger and Jeremy ‘Cabs’ Caballero

There’s always something new in the retirement space – which for us lives at the fascinating intersection of tax law, legislation, technology, and innovative thinking. We’re excited to be here today with both the Cofounder and Chief Product Officers and the Chief Operating Officer for Guideline – Jeremy ‘Call me Cabs’ Caballero and Jeff Rosenberger talking about what’s new in fintech – and how they view the emerging Starter 401(k) space.

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