Core Insights - A significant disconnect exists in how Americans manage their finances, with 45% indicating insufficient disposable income for retirement savings while 90% maintain at least one monthly subscription [1][8] Group 1: Financial Behavior - The majority of Americans automate expenses such as bills (60%) and debt payments (39%), but only 24% automate retirement contributions and just 11% automate transfers to investment accounts [8] - A survey by PensionBee reveals that one in three Americans manage more than six subscriptions, while one in four are unaware of how many subscriptions they have, increasing the risk of unwanted charges [3] Group 2: Financial Recommendations - Redirecting $17 monthly from unused subscriptions to retirement savings could accumulate to $25,000 over 35 years, representing a significant portion of the median U.S. household's current nest egg of $87,000 [4][8] - PensionBee suggests strategies such as canceling unused subscriptions to contribute to retirement accounts, consolidating lost retirement wealth, conducting monthly financial check-ups, and automating contributions to enhance retirement savings [9] Group 3: Company Overview - PensionBee is a leading retirement savings provider managing $10 billion in assets and serving over 300,000 customers globally, focusing on simplicity, transparency, and accessibility [6] - The company offers various retirement accounts, including Traditional, Roth, SEP, and Safe Harbor IRAs, with ETF-backed portfolios [6]

Core Insights - PensionBee has achieved certification as a Great Place To Work® with a 100% employee satisfaction score, reflecting its commitment to employee well-being and customer care [1][3] - The company manages $10 billion in assets and serves over 300,000 customers globally, focusing on simplicity, transparency, and accessibility in retirement savings [4] Employee Satisfaction - The national benchmark for employee satisfaction is 57%, while PensionBee's perfect score indicates a strong internal culture that values its workforce [2] - The Great Place To Work Certification is based on the Trust Index™ methodology, which quantifies workplace culture and employee experience [3] U.S. Market Growth - Since 2024, PensionBee has expanded its presence in the U.S. market, driven by its customer-centric model and technology-driven solutions [4] - The company offers various retirement accounts, including Traditional, Roth, SEP, and Safe Harbor IRAs, with ETF-backed portfolios [4] Technology and Customer Support - PensionBee provides free human support to assist customers in managing their retirement savings, particularly in consolidating orphaned 401(k)s [6] - The automated rollover process, enhanced by integration with SS&C's RolloverCentral®, allows users to complete 401(k) rollovers in minutes [6] - The company offers an intuitive app that includes expert-built portfolios and planning tools for mobile banking convenience [6]

Core Insights - Retirement optimism among Americans dropped by over 10% in 2025, falling from a peak of 55% in March to 44% by the end of the year [1][2] - The decline in sentiment is attributed to volatile markets, unprecedented tariffs, and the longest government shutdown in history [1] Retirement Sentiment and Savings Behavior - 40% of Americans saving for retirement have less than one year of expenses saved, and 30% would not last six months without income [3] - The connection between saving actions and retirement sentiment indicates that thoughtful saving practices lead to higher optimism [4] - 91% of those with negative feelings about retirement lack a clearly defined savings plan [4] Gender and Retirement Outlook - Women's retirement outlook is less optimistic, with one in five women able to survive less than one month on retirement savings compared to one in ten men [5] - 35% of women have only six months of savings, while 25% of men report the same [5] Impact of Government Policies - 69% of respondents expressed concern about government policies affecting their retirement [6] - Despite declining optimism, the correlation between positive retirement behaviors and outlook offers a silver lining [6] Planning and Financial Habits - 53% of those with a positive outlook have a solid retirement plan, often involving financial advisors or online tools [8] - Nearly one in three (32%) contribute enough to receive full employer matches, enhancing their retirement savings [8] - Individuals with a positive outlook are more likely to consolidate old retirement accounts [8] Demographics of Optimism - 52% of men reported an optimistic retirement outlook, compared to 37% of women [9] - Married men showed the highest positive sentiment at 63%, while only 32% of single women felt optimistic [9] Survey Methodology - The survey included over 3,000 Americans aged 18 and older, focusing on those actively saving for retirement [10] - Conducted online at four intervals between March and November 2025, the survey has a margin of error of +/-3.1 percentage points [10]