Health & Wealth Blog

Stress and Money – A Strong Connection

By: Brian Perlman

In recent years, Greenwald & Associates has done a great deal of work on the connection between psychology and finances. We have explored the impact that emotions, personality, and behavioral tendencies have on the decisions that consumers make regarding their finances. These issues are important because psychological factors can have a big impact on financial Read more…

What Do Disability and Retirement Plans Have in Common?

By: Lisa Schneider

The more research I do in these areas, the more I’ve come to appreciate the important similarities and interconnectedness of workplace disability insurance and retirement plans. At their core, I believe these benefits aim to achieve the same goal – income replacement. Employees save for retirement, albeit modestly, not to simply have a pile of Read more…

Financial Industry Maxims Are Out of Touch

By: Matt Greenwald

I believe some financial industry maxims are very far out of touch with the values and goals of American retirees. The result is we are losing an opportunity to communicate information that can provide great help on a most complex issue: how to manage money in retirement. Let me start with the values and goals Read more…

CDHPs for the Wealthy & Healthy?

By: Anne Elmlinger

Greenwald & Associates is celebrating its 30th anniversary this year. It’s a time of remembering how things were and also looking ahead to the future. The experience has led me to also think about the 10th anniversary of our Consumer Engagement in Health Care Survey (CEHCS), about what has changed since the early years of Read more…

The Importance of New Stages of Life

By: Matt Greenwald

In a June 2015 Wall Street Journal article, Mark Freedman stated that there is a new phase of life after adulthood and requested that someone develop a name for this phase. I agree and will make a suggestion. First, I would like to put the development of this new phase, or stage, of life in Read more…

The Generation the Industry Forgot

By: Lisa Schneider

Over the past few years, I’ve been asked to present research Greenwald & Associates has conducted with younger consumers at various industry events and for various industry leaders. Mostly, I’m asked to focus on the financial needs and state of Generation Y (born 1981 to 1999, by our definition, and often called Millennials). And for Read more…

Reality Check: Retirees Are Doing OK, While Pre-Retirees Worry

By: Matt Greenwald

Not all is doom and gloom for those approaching retirement, according to research conducted by Greenwald & Associates on behalf of MassMutual. While pre-retirees often fear that they will face financial uncertainty and boredom in retirement, retirees feel rather positive about their experience. In fact, six in ten retirees are very satisfied with their lifestyle Read more…

Americans Willing to Pay More to Get More from Social Security

By: Matt Greenwald

Finally, it appears there’s something that almost everybody in America’s body politic agrees about – the value of the Social Security System. Old or young, rich or poor, Republican or Democrat, there’s widespread agreement that Social Security is a very good thing – and that it’s worth paying higher taxes to improve benefits and make Read more…

The Guaranteed Lifetime Income Study (GLIS)

By: Matt Greenwald

New Study Reveals That Retirees With Investable Assets Above $100,000 Value and Depend on Guaranteed Lifetime Income (GLI) to cover the majority of their living expenses, 79% on average Also Finds Most Americans Ages 55 – 75 Have Little Familiarity With Other Sources Of GLI Beyond Social Security And Pensions Washington, D.C., October 7, 2014 Read more…

Annuities’ Real Value Proposition

By: Matt Greenwald

In his recent Forbes article Income as Outcome: Reframing the 401(k) Plan, my friend and research colleague Jeff Brown – a professor at the University of Illinois – argues that more people would enjoy real retirement security if they better understood the real purpose of their defined contribution plans. He rightly decried the extensive degree Read more…



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