Research Get an unparalleled view into employee financial trends and behaviors, based on our decades of experience serving many of America’s largest and leading employers As the pioneer and leader in workplace advisory services over the last two decades, we look forward to sharing our expertise and unique capabilities to improve financial outcomes for your employees. – Christopher Jones, Executive Vice President and Chief Investment Officer Always Learning. Always Adapting. Since our firm’s founding more than two decades ago, our innovations and research have helped influence an entire industry. And we continue to develop new approaches and processes to further help improve plan participant outcomes and employee retirement readiness. 2014 60% got it wrong In 2014, we found that target-date fund misuse was widespread. Only 38% of plan participants investing in target-date funds were using them correctly for all their plan contributions.9 2014 $250K in increased lifetime benefits In 2014, we found that Social Security optimization could generate additional lifetime benefits of as much as $100,000 for individuals and $250,000 for married couples.10 2015 $24B U.S. workers missing out on $24 billion in employer matching contributions In 2015, we estimated that workers nationwide are failing to contribute enough to receive their company’s match – and thus are collectively failing to collect $24 billion every year. 11 2016 93% of adults want their advisors to be fiduciaries In 2016, we found that 93% of Americans said it is important that all financial advisors be legally required to put their clients’ best interest first when providing retirement investment advice. 12 2019 4.7% more in retirement savings In 2019, we found that retired participants who leave their 401(k) savings in the workplace plan, can increase their retirement savings by 4.7% after 10 years13 , compared to rolling the account to an IRA. 2020 1/2 of U.S. employees are prepared for an emergency In 2020, we found that less than half of U.S. employees reported low financial well-being amid Covid-19, as measured by financial stress, readiness and outlook.14 Perspectives Our experience and expertise from serving more than one million clients gives us a unique perspective. Now, you can review our recent research and analysis on employee behavior and retirement investing. The Truth About Women and Money Learn more America saves: Emergency Saving Learn more Key developments in defined contribution managed account programs Read more Tapping retirement assets early Read more Advice gap Read more Covid-19 and financial well-being Read more Give Your Employees the Financial Help and Advice They Need To learn more about the financial solutions available and how they can benefit both employers and employees, connect with us now. Contact Us Quick Links Our Locations The Ric Edelman Show Education Online Advice Contact Us Call: (888) PLAN-RIC Contact Us About Us About Our Company Team Pressroom Careers Client Logins Client Mobile App Edelman Financial Engines Portal Login Charles Schwab TD Ameritrade E.TRADE Fidelity Legal Information Privacy Policy Terms of Use Form CRS Edelman Financial Engines ADV Business Continuity Wrap Fee Brochure Do Not Sell My Personal Information 1The 2019 Top 50 Independent Advisory Firm Ranking issued by Barron’s is qualitative and quantitative, including assets managed, the size and experience of teams, and the regulatory records of the advisors and firms. Firms elect to participate but do not pay to be included in the ranking. Investor experience and returns are not considered. The 2018 ranking refers to Edelman Financial Services, LLC, which combined its advisory business in its entirety with Financial Engines Advisors L.L.C. (FEA) in November 2018. For the same survey, FEA received a precombination ranking of 12th. 2Edelman Financial Data Warehouse as of June 30, 2020. 3Edelman Financial Engines research, Covid-19 and Financial Well-Being, June 2020. For a complete copy of the research study, visit https://go.financialengines.com/COVID-19andFinancialWell-Being 4Edelman Financial Engines research, Advice Gap, September 2020. For a complete copy of the research study, visit https://go.financialengines.com/AdviceGap 5Edelman Financial Engines research, Covid-19 and Financial Well-Being, June 2020. For a complete copy of the research study, visit https://go.financialengines.com/COVID-19andFinancialWell-Being 6Mercer, Inside Employees’ Minds, Financial Wellness Volume 2. 2017. For a complete copy of the research study, visit https://www.mercer.com/content/dam/mercer/attachments/global/inside-employees-minds/glb-2017-inside-employees-minds-volume-2.pdf 7Edelman Financial Engines Data Warehouse as of June 30, 2020. 8Services offered by Edelman Financial Engines depend on a number of factors, including plan sponsor/employer selection, as well as recordkeeper integration 9Financial Engines research, Help in Defined Contribution Plans: 2006 through 2012, May 2014. For a complete copy of the research study, visit https://go.financialengines.com/HelpReport 10Financial Engines research, Claiming Social Security: A Critical & Complex Decision for Retirement Security, March 2014. For a complete copy of the research study, visit https://go.financialengines.com/ClaimingSocialSecurityUpdate 11Financial Engines research, Missing Out: How much employer 401(k) matching contributions do employees leave on the table? May 2015. For a complete copy of the research study, visit https://go.financialengines.com/401kMatch 12Financial Engines research, In Whose Best Interest? March 2016 For a complete copy of the research study, visit https://go.financialengines.com/BestInterest 13Edelman Financial Engines research, Reconsidering the 401(k) Rollover, June 2019. For a complete copy of the research study, visit https://go.financialengines.com/FDR 14Edelman Financial Engines research, Covid-19 and Financial Well-Being, June 2020. For a complete copy of the research study, visit https://go.financialengines.com/COVID-19andFinancialWell-Being All information provided through Education is for educational purposes only and does not constitute investment, legal or tax advice, an offer to buy or sell any security or insurance product; or an endorsement of any third party or such third party’s views. Whenever there are hyperlinks to third-party content, this information is intended to provide additional perspective and should not be construed as an endorsement of any services, products, guidance, individuals or points of view outside Edelman Financial Engines. All examples are hypothetical and for illustrative purposes only. Please contact us for more complete information based on your personal circumstances and to obtain personal individual investment advice. Videos presented on this website are for educational purposes only and do not constitute investment advice or an offer to buy or sell any security or insurance product. © 2021 Edelman Financial Engines, LLC. Edelman Financial Engines® is a registered trademark of Edelman Financial Engines, LLC. All advisory services offered through Financial Engines Advisors L.L.C. (FEA), a federally registered investment advisor. Results are not guaranteed.