# How Much Do People Have Saved for Retirement by Age

According to the latest Federal Reserve data, the median retirement savings for Americans aged 55 to 64 is $185,000, which falls substantially short of the $1 million or more that many financial institutions recommend. While the average balance for this pre-retirement group is much higher at $537,560, that figure is heavily skewed by a small percentage of ultra-wealthy households. For the typical worker, navigating the modern retirement landscape requires aggressive early saving, leveraging recent legislative catch-up provisions, and planning carefully for compounding healthcare costs and inflation.

## The Reality of American Retirement Savings Today

When evaluating whether you are "on track" for retirement, the published numbers can often feel alienating. Financial media frequently highlights average (mean) retirement balances that seem completely out of reach for the typical wage earner. This discrepancy exists because averages in wealth datasets are disproportionately pulled upward by a small percentage of high-net-worth households. 

To understand the true landscape of American retirement readiness, economists and financial analysts rely primarily on two metrics: the mean (average) and the median. The median represents the exact midpoint of all households—meaning half of the population has saved more, and half has saved less. Because it is not skewed by billionaires or massive corporate executive accounts, the median is widely considered the most accurate representation of the typical American's financial reality [cite: 1, 2].

[image delta #1, 0 bytes]



The most comprehensive data on this subject comes from the Federal Reserve’s Survey of Consumer Finances (SCF). The latest edition, which summarizes data collected through 2022 and released in late 2023, provides a snapshot of total household retirement accounts, including both workplace 401(k) plans and Individual Retirement Accounts (IRAs) [cite: 3, 4]. A parallel, highly regarded source of data comes from Vanguard's annual "How America Saves" report, which tracks the specific defined contribution (DC) plan behaviors of nearly five million active participants [cite: 5, 6]. 



The data paints a sobering picture of American retirement readiness. While the U.S. stock market has experienced substantial long-term gains over the last decade, those benefits have not been distributed evenly across the income spectrum. For example, between 2019 and 2022—a period encompassing the COVID-19 pandemic, unprecedented fiscal stimulus, and subsequent severe inflation—the median 401(k) and IRA balance for households aged 45 to 54 increased from $105,800 to $119,000. However, when adjusted for the high rate of inflation during that window, this actually represents a loss in real purchasing power [cite: 4]. For the youngest bracket surveyed by the Fed (ages 35–44), total retirement holdings actually declined over that same three-year period [cite: 4].

### Comparing Federal Reserve and Vanguard Data

To understand where you stand relative to your peers, it is helpful to look at both the broader Federal Reserve data (which includes all U.S. households, even those with zero savings) and Vanguard data (which only looks at active participants in Vanguard-managed workplace plans). 

| Age Range | Fed Median Savings (All Households) | Fed Average Savings (All Households) | Vanguard Median (Active Plan Participants) | Vanguard Average (Active Plan Participants) |
| :--- | :--- | :--- | :--- | :--- |
| **Under 35** | $18,880 | $49,130 | $14,933 (Ages 25-34)* | $37,557 (Ages 25-34)* |
| **35 to 44** | $45,000 | $141,520 | $35,537 | $91,281 |
| **45 to 54** | $115,000 | $313,220 | $60,763 | $168,646 |
| **55 to 64** | $185,000 | $537,560 | $87,571 | $244,750 |
| **65 to 74** | $200,000 | $609,230 | $88,488 (Age 65+)* | $272,588 (Age 65+)* |
| **75 and older**| $130,000 | $462,410 | N/A | N/A |

*\*Note: Vanguard categorizes its youngest bracket as "Under 25" and "25-34", and its oldest bracket simply as "65+". The figures here represent the 25-34 and 65+ ranges for closer comparison to the Federal Reserve cohorts [cite: 3, 5].*

These figures highlight a structural reality of the modern economy: even households that actively participate in workplace retirement plans struggle to accumulate significant median wealth. Across all demographics, nearly three in ten Vanguard retirement savers have an account balance of less than $10,000 [cite: 5]. Conversely, sixteen percent of Vanguard customers have saved $250,000 or more, pulling the overall averages significantly higher [cite: 5].

## Income Trajectories: The Foundation of Savings

Before examining savings balances by age, it is critical to understand the underlying income trajectories that dictate a worker's capacity to save. Earnings typically follow a predictable path: lower pay at the start of a career, rapid increases during mid-career, a plateau in the prime earning years, and a gradual decline as workers transition into retirement or part-time work [cite: 7].

According to the U.S. Bureau of Labor Statistics (BLS) data for late 2024 and early 2025, the median earnings among the country's full-time wage and salary workers dictate the pace at which they can reasonably fund a 401(k) or IRA [cite: 2].

| Age Group | Median Weekly Earnings | Annualized Median Salary |
| :--- | :--- | :--- |
| **Ages 20 to 24** | $796 | ~$41,392 |
| **Ages 25 to 34** | $1,150 | ~$59,800 |
| **Ages 35 to 44** | $1,385 | ~$72,020 |
| **Ages 45 to 54** | $1,377 | ~$71,604 |
| **Ages 55 to 64** | $1,322 | ~$68,744 |
| **Ages 65 and older** | $1,222 | ~$63,544 |

*(Data derived from BLS Current Population Survey [cite: 2, 7, 8].)*

These salary benchmarks are vital because institutional retirement advice is almost universally pegged to an individual's income. If a worker's salary peaks in their late 30s or early 40s but their living expenses continue to rise, their capacity to dedicate 10% to 15% of their gross pay to a retirement account becomes severely strained.

## Retirement Savings Benchmarks by Age Bracket

Age is generally the most reliable proxy for career experience and accumulated wealth. By segmenting savings data alongside the median salaries provided by the BLS, we can build a comprehensive picture of the typical American's financial lifecycle and identify exactly where individuals tend to fall behind.

### Your 20s and Early 30s: The Accumulation Foundation
During these early career years, disposable income is typically constrained by entry-level salaries, student loan debt, and the costs of establishing an independent household. According to BLS data, the median annual salary for workers aged 20 to 24 is roughly $41,392, rising to $59,800 for workers aged 25 to 34 [cite: 2, 7]. 

Consequently, retirement savings at this stage are modest. The median Vanguard balance for those under 25 is just $2,816, and it grows to $14,933 for those aged 25 to 34 [cite: 3]. Despite these low balances, financial planners emphasize that this decade is mathematically the most crucial due to the mechanics of compound interest. A dollar invested at age 25 has four decades to compound before standard retirement age. Furthermore, Vanguard's data shows that automatic enrollment—where employers automatically deduct a percentage of a new hire's paycheck for retirement—has significantly improved participation rates among younger workers. However, default savings rates are often set around 3% to 4%, which is rarely enough to ensure long-term adequacy without proactive increases [cite: 9, 10].

### Ages 35 to 44: The Crucial Mid-Career Years
By the time workers reach their late 30s and early 40s, earnings typically accelerate as they gain experience, specialize, and move into leadership roles. The median salary for workers aged 35 to 44 hits a peak of approximately $72,020 per year [cite: 2, 7]. 

However, this decade is also associated with major financial "squeezes"—specifically the simultaneous burdens of childcare, mortgage payments, and occasionally, caring for aging parents. This demographic is often forced to balance immediate cash-flow needs against long-term investments. According to the Federal Reserve, the median retirement savings for this age group is $45,000 [cite: 3]. While this is a notable increase from their 20s, it often falls short of institutional benchmarks that suggest having two to three times one's annual salary saved by age 40 [cite: 11, 12]. 

### Ages 45 to 54: The Peak Earning Plateau
Earnings traditionally level out or peak in this decade, with the median salary sitting slightly lower at $71,604 [cite: 2, 7]. This is the phase where the reality of retirement begins to feel less abstract and more urgent. The Federal Reserve reports a median savings of $115,000 for this group [cite: 3]. 

At age 50, the IRS allows workers to make "catch-up contributions" to their tax-advantaged accounts, acknowledging that many people enter their fifth decade underfunded. For 2026, the catch-up contribution limit for a 401(k) is $8,000 on top of the base $24,500 limit, allowing older workers to defer up to $32,500 annually [cite: 13, 14]. Despite these provisions, Vanguard's data indicates that the median active plan participant in this age group has only accumulated $60,763 within their specific workplace plan [cite: 3].

### Ages 55 to 64: The Pre-Retirement Reality Check
As workers approach the traditional retirement age, the gap between what they have and what they will need comes into sharp focus. The median salary for this group declines to $68,744, reflecting the fact that some workers begin to reduce their hours, face age-related layoffs, or leave the workforce early due to health or caregiving demands [cite: 2, 7]. 

The median retirement savings for this critical pre-retirement cohort is $185,000 according to the Federal Reserve [cite: 1, 3]. When paired alongside an estimated average monthly Social Security benefit of around $1,975, a household retiring with $185,000 faces a significant income gap to fill across a retirement period that could easily stretch 25 to 30 years [cite: 1, 3]. According to Charles Schwab’s 2024 401(k) Participant Study, workers in this age bracket believe they will need an average of $1.8 million to retire comfortably, highlighting a massive psychological and mathematical deficit [cite: 15].

### Ages 65 and Older: The Drawdown Phase
The average retirement age in the U.S. is currently 61, though demographic data shows men tend to retire closer to 65 and women around 62 [cite: 3, 16]. Once retired, the focus shifts entirely from accumulating assets to managing the drawdown. The Federal Reserve notes a median balance of $200,000 for those aged 65 to 74. Interestingly, the median balance drops to $130,000 for those 75 and older [cite: 3]. This decline is not necessarily a sign of market failure; rather, it reflects the natural lifecycle of a retirement account being systematically spent down to cover living expenses, inflation, and end-of-life medical care [cite: 1]. 

## Decoding the "Rules of Thumb" for Retirement

To help workers translate abstract account balances into actionable goals, major financial institutions rely on "salary multiplier" benchmarks. These formulas attempt to simplify complex actuarial math into a single, digestible target. The most universally cited framework comes from Fidelity Investments, which provides goalposts based on multiples of a worker's current gross income [cite: 11, 17].

According to Fidelity, you should aim to save:
*   **1x** your salary by age 30
*   **3x** your salary by age 40
*   **6x** your salary by age 50
*   **8x** your salary by age 60
*   **10x** your salary by age 67 [cite: 11, 17, 18]

This rule of thumb is built on a highly specific set of assumptions. Fidelity's model assumes that the worker begins saving exactly 15% of their income at age 25 (including any employer matching contributions), experiences continuous 1.5% real wage growth, invests at least 50% of their portfolio in equities throughout their lifetime to outpace inflation, and plans to retire exactly at age 67 [cite: 17, 19]. 

The ultimate goal of the 10x multiplier is to generate enough capital to replace approximately 45% of a worker's preretirement income strictly from their personal savings [cite: 11, 17]. When combined with Social Security benefits, this is generally estimated to provide the 75% to 80% total income replacement that most financial planners believe is necessary to maintain one's standard of living in retirement [cite: 20, 21, 22].

### Applying the Fidelity Benchmark to Median Salaries
What do these multipliers look like when applied to the actual median salaries earned by Americans today? Using recent BLS median salary data, the expectations highlight a stark contrast between institutional advice and ground-floor reality.

| Age Milestone | BLS Median Salary | Fidelity Multiplier Goal | Target Savings Goal | Actual Fed Median Savings |
| :--- | :--- | :--- | :--- | :--- |
| **Age 30** | ~$59,800 | 1x salary | **$59,800** | $18,880 (<35) |
| **Age 40** | ~$72,020 | 3x salary | **$216,060** | $45,000 (35-44) |
| **Age 50** | ~$71,604 | 6x salary | **$429,624** | $115,000 (45-54) |
| **Age 60** | ~$68,744 | 8x salary | **$549,952** | $185,000 (55-64) |
| **Age 67** | ~$63,544 | 10x salary | **$635,440** | $200,000 (65-74) |

*(Note: Target savings goals are calculated using BLS median salaries by age bracket [cite: 2, 8] multiplied by Fidelity's recommended benchmarks [cite: 11, 17]. Actual median savings represent the Federal Reserve SCF broad age cohorts [cite: 3].)*

As the table illustrates, the median American worker is tracking significantly behind the 10x rule at every stage of life. By age 60, the typical worker is roughly $360,000 short of the recommended benchmark.

### Why Expert Benchmarks Stir Debate

While salary multipliers provide a clean, easy-to-understand target, they are subject to heavy debate among financial experts. Critics argue that a one-size-fits-all metric is fragile and often fails to reflect the nuances of actual human behavior and changing economic conditions.

**The Late-Starter Penalty**
The 10x rule assumes continuous saving beginning at age 25 [cite: 17]. Analysts point out that if an individual experiences periods of unemployment, takes time off for caregiving, or simply doesn't start saving aggressively until age 35 or 40, the math breaks down rapidly. To catch up to the 10x benchmark from a standing start at age 40, a worker would have to save vastly more than the recommended 15%—often upwards of 20% to 25% of their income—or rely on aggressive, high-risk market returns [cite: 23].

**The Taxation Blind Spot**
Retirement researchers note that rules of thumb focus entirely on the gross accumulation of wealth, completely ignoring *where* that money is kept. This is a massive variable because not all dollars are treated equally by the IRS [cite: 24]. 

If a retiree has accumulated $1 million entirely in a traditional, tax-deferred 401(k), every dollar withdrawn is subject to ordinary income tax. If macroeconomic pressures force the government to raise tax rates in the future, the purchasing power of that $1 million could be slashed by 25% to 35% before the retiree ever spends a dime [cite: 24]. Conversely, a retiree with $1 million in a Roth IRA or Roth 401(k) has already paid taxes on those funds, meaning their withdrawals are entirely tax-free. Therefore, two 67-year-olds who both hit their exact "10x" goal might have drastically different standards of living based entirely on asset location and tax exposure [cite: 24].

**Alternative Benchmarks**
Because of these variables, other financial institutions offer competing metrics. T. Rowe Price, for example, offers slightly more flexible ranges, suggesting that workers aim for 1 to 1.5 times their salary by age 35, 3.5 to 5.5 times by age 50, and 6 to 10.5 times by age 60, depending on their specific standard of living and expected retirement age [cite: 25]. Meanwhile, some high-net-worth advisors argue that salary multipliers are inherently flawed and that workers should aim for flat net-worth targets—such as $2 million or more—to adequately insulate themselves against catastrophic health events and long-term inflation [cite: 18, 26].

## The Macro Pressures: Inflation and Healthcare Costs

Over the last few years, the economic environment has violently altered retirement calculations. The twin engines of generalized inflation and hyper-inflation in the healthcare sector are forcing pre-retirees to reevaluate their readiness. 

### The Silent Thief of Purchasing Power
Inflation is highly disruptive to fixed-income retirement plans. While a healthy level of inflation (around 2% to 3%) is normal, cumulative price increases drastically reduce the future value of savings. If inflation averages just 3% per year, the purchasing power of $100,000 today will be worth roughly $74,000 in ten years [cite: 27]. 

This disproportionately harms retirees compared to active workers. While active workers eventually see their wages rise to match inflation (the income effect), retirees relying on fixed-income investments (like static bonds or annuities) or partial pensions without cost-of-living adjustments (COLAs) suffer a pure loss in purchasing power [cite: 28, 29, 30]. According to an AARP Financial Security Trends Survey, 72% of adults over the age of 30 remain highly worried about prices outrunning their income, and rising expenses are the most commonly cited reason for deteriorating financial confidence [cite: 31]. 

High-wealth retirees are often insulated from this because they maintain heavy exposure to equities, business ownership, and real estate, which tend to grow with or outpace inflation. Conversely, middle-class retirees living off cash savings and social safety nets face the steepest cuts to their actual consumption [cite: 29].

### The Unseen Healthcare Burden
Perhaps the most dangerous blind spot in retirement planning is the cost of medical care. Fidelity's benchmarks and standard replacement rate models assume standard living expenses, but healthcare inflation moves faster and with more volatility than general economic inflation [cite: 32]. 

Most Americans severely underestimate these costs, assuming that Medicare will cover their needs. However, Original Medicare does not cover long-term care, dental, vision, or hearing aids, and it requires continuous premiums, copayments, and deductibles [cite: 33, 34]. 

Recent actuarial data from Milliman and HealthView Services provides staggering estimates for the current environment:
*   A healthy 65-year-old retiring in 2025 can expect to spend approximately **$172,500** on healthcare premiums, out-of-pocket expenses, and prescriptions throughout retirement [cite: 32, 34].
*   For an average healthy couple retiring at 65, that figure balloons to roughly **$345,000** [cite: 34].
*   Depending on the specific blend of Medigap and Part D coverage, Milliman projects a healthy 65-year-old woman (who has a statistically longer life expectancy) may need to reserve up to **$313,000** just for medical costs [cite: 32, 34]. 

Because these costs compound over a 20-to-30-year retirement rather than hitting as a lump sum upfront, they are often entirely excluded from early retirement planning models [cite: 32, 34]. Consequently, medical expenses are now a leading driver of 401(k) hardship withdrawals, which reached a record 4.8% of Vanguard participants in 2024, more than double the pre-pandemic rate [cite: 5, 34]. 

## The Great Shift: From Pensions to Personal Responsibility

To fully understand why so many Americans feel financially insecure today, one must look at the structural transformation of the U.S. labor market over the last four decades. 

In the mid-20th century, retirement was largely supported by a "three-legged stool": Social Security, personal savings, and employer-funded Defined Benefit (DB) pensions. A traditional DB pension guaranteed a worker a steady lifetime annuity based on their salary and years of service, shifting the investment risk and longevity risk entirely onto the employer [cite: 35, 36]. 

However, starting in the 1980s, corporate America began freezing DB pensions and replacing them with Defined Contribution (DC) plans, such as the 401(k). The 401(k) was originally designed as a supplemental savings vehicle for highly compensated executives, but it rapidly became the primary retirement mechanism for the entire American workforce [cite: 35, 36]. 



The Employee Benefit Research Institute (EBRI) tracks this shift explicitly: in 1979, 38% of private-sector wage and salary workers participated in a DB pension plan. By 2017, that figure had plummeted to 11% [cite: 37]. Meanwhile, participation in DC plans surged from 17% to roughly 46%, and by 2023, 67% of private industry workers had access to a DC plan [cite: 37, 38].

[image delta #2, 0 bytes]

 

This shift fundamentally altered the employment bargain. It required ordinary workers—most of whom lacked formal financial education—to act as their own portfolio managers, actuaries, and economists. They are now solely responsible for deciding how much to save, how to invest the funds across asset classes, and how to draw the money down in a way that survives market volatility and decades of longevity [cite: 36, 37].

### How the U.S. Compares Globally

Because the U.S. leans so heavily on individualized, market-based DC plans, it ranks relatively poorly compared to other developed nations in terms of systemic retirement security for the average citizen. 

The Mercer CFA Institute Global Pension Index analyzes 47 countries based on the adequacy, sustainability, and integrity of their retirement systems. In 2023, the U.S. system ranked 22nd, receiving a "C+" grade [cite: 39]. By contrast, countries like the Netherlands, Iceland, and Denmark consistently top the list with "A" grades because they rely on robust, mandatory public and private pension programs that do not allow workers to opt out or easily withdraw funds prematurely for non-retirement hardships [cite: 39, 40]. 

In the U.S., state-sponsored social safety nets are significantly thinner. A common metric used by global economists is the "net pension replacement rate"—the percentage of preretirement earnings that are replaced by mandatory public systems (like Social Security) and mandatory private pensions. 

According to the Organization for Economic Cooperation and Development (OECD), the U.S. provides a net pension replacement rate of 54.4% for an average earner [cite: 41, 42]. This is noticeably lower than the OECD average of 61.4%, and vastly lower than nations like Austria (86.8%) or France (70%) [cite: 41, 42]. 

While U.S. citizens generally face a lower overall tax burden than their European counterparts, this structure dictates that Americans are uniquely burdened with the necessity of aggressive, continuous personal saving to avoid severe downgrades to their living standards in old age [cite: 39, 42, 43, 44, 45].

## Catching Up: New IRS Limits and SECURE 2.0 Provisions

Recognizing that millions of Americans are approaching retirement age with insufficient balances, the federal government has continually increased contribution limits and instituted legislative mechanisms to encourage accelerated saving for those closest to the finish line.

### 2026 IRS Contribution Limits
The IRS indexes retirement contribution limits to inflation, allowing savers to shelter more money from taxes each year. For the 2026 tax year, the IRS announced significant increases across the board [cite: 13, 14, 46].

*   **Standard 401(k), 403(b), and 457 Plans:** The base contribution limit for employees has been increased to **$24,500** (up from $23,500 in 2025) [cite: 13].
*   **Standard Catch-Up (Ages 50+):** Workers aged 50 and older can contribute an additional **$8,000**, raising their total potential annual deferral to **$32,500** [cite: 13, 14]. 
*   **Individual Retirement Accounts (IRAs):** The base limit for traditional and Roth IRAs is increased to **$7,500**. The IRA catch-up for those 50 and older, which is now indexed for inflation under recent law, rises to **$1,100**, for a total IRA limit of **$8,600** [cite: 13, 14].

### The SECURE 2.0 Act and the "Super Catch-Up"
The most notable recent change to retirement legislation is the introduction of a new, highly targeted provision under the SECURE 2.0 Act of 2022. Beginning in 2025, the law created a "super catch-up" tier explicitly designed for workers aged 60, 61, 62, and 63. 

Rather than the standard $8,000 catch-up allowed for anyone over 50, workers in this specific four-year age window are permitted to make catch-up contributions of either $10,000 or 150% of the standard catch-up amount—whichever is greater [cite: 47, 48]. For the 2026 tax year, this calculation yields a super catch-up limit of **$11,250**. 

When added to the 2026 base limit of $24,500, a worker between the ages of 60 and 63 can theoretically funnel up to **$35,750** per year into their workplace retirement plan [cite: 13, 49, 50]. 

However, the SECURE 2.0 Act also introduced a major restriction targeting high earners. Starting in 2026, workers who earned $150,000 or more in the preceding calendar year (adjusted for inflation) will be required to make all catch-up contributions on an after-tax (Roth) basis, rather than a pre-tax basis [cite: 49, 51]. This change eliminates the immediate tax deduction for high-income catch-up contributions, forcing higher earners to pay taxes up front in exchange for tax-free growth and withdrawals later in life.

## Behavioral Strategies to Close the Retirement Gap

Faced with a system that puts the onus entirely on the individual, the financial industry has begun engineering behavioral "nudges" to help workers overcome inertia. If you find yourself falling behind the median balances or the 10x benchmark, there are structural and strategic ways to course-correct.

### Leveraging Auto-Enrollment and Escalation
Human psychology is often the greatest barrier to saving. Vanguard's 2025 "How America Saves" report notes a massive success in institutional plan design: 61% of plans now utilize automatic enrollment, meaning employees must actively choose to opt out rather than proactively opting in [cite: 10, 52]. 

Furthermore, nearly 30% of plans are now defaulting employees into a savings rate of 6% or higher, up dramatically from a decade ago when 3% was the norm [cite: 10, 52]. Even more impactful is the rise of "auto-escalation," which automatically increases a worker's contribution rate by 1% each year (typically tied to annual performance raises). Vanguard research shows that participants in plans with both auto-enrollment and auto-escalation save 20% to 30% more over three years than those in plans without escalation [cite: 10].

### Optimizing Asset Allocation
Choosing the right investments is notoriously difficult for non-specialists. Historically, many workers left their 401(k) cash in low-yielding money market funds, losing decades of potential compounding. Today, 67% of Vanguard participants are in professionally managed allocations, predominantly Target Date Funds (TDFs) [cite: 10, 52]. TDFs automatically adjust asset allocation, shifting from high-growth, high-risk equities to stable, low-risk bonds as the participant nears their specific target retirement year. Major asset managers like BlackRock, Vanguard, and Fidelity fiercely compete in this space, offering indexed TDFs that keep expense ratios extremely low [cite: 53, 54].

However, "set it and forget it" has limitations. Vanguard's data reveals that roughly 30% of older investors still hold "extreme" equity allocations in their portfolios [cite: 20]. Being heavily weighted in stocks right on the precipice of retirement exposes a worker to "sequence of returns risk"—the danger that a sudden stock market crash will decimate their nest egg just as they begin taking withdrawals, permanently crippling the portfolio's longevity.

### Maximizing Health Savings Accounts (HSAs)
Addressing the $172,500 healthcare gap requires specialized tools. Health Savings Accounts (HSAs) offer a rare "triple tax advantage" that not even a 401(k) or IRA can match: contributions are tax-deductible, growth is tax-free, and withdrawals for qualified medical expenses are tax-free [cite: 33]. 

Unlike Flexible Spending Accounts (FSAs), HSA funds roll over indefinitely from year to year and can be invested in the stock market, making them one of the most efficient shadow-retirement accounts available [cite: 6]. Despite this incredible mathematical advantage, Fidelity data shows that only 23% of Americans contribute to an HSA to prepare for retirement healthcare, and only 3 in 10 actually invest the funds rather than spending them immediately on current medical bills [cite: 34].

### Strategic Claiming of Social Security
Because Social Security provides a guaranteed, inflation-adjusted floor for your retirement income, maximizing it is paramount. While you can claim benefits as early as age 62, doing so permanently reduces your monthly payout by up to 30% compared to waiting for your Full Retirement Age (FRA)—which is 67 for anyone born in 1960 or later. 

Furthermore, for every year you delay claiming past your FRA up to age 70, your benefit increases by a guaranteed 8% [cite: 21, 55, 56]. A worker who waits until age 70 will receive a monthly check 24% larger than if they claimed at 67, and 76% larger than if they claimed at 62. For retirees who are behind on their personal savings but are healthy enough to continue working (or have enough liquid savings to bridge the gap), delaying Social Security is one of the most mathematically powerful moves available to secure their later years.

## Bottom line
The median retirement savings for Americans nearing retirement (ages 55–64) is $185,000, a figure that falls substantially short of the $1 million to $1.8 million many experts and workers believe is necessary to maintain a comfortable lifestyle. While industry benchmarks—like saving ten times your salary by age 67—provide useful mathematical targets, they frequently mask the realities of rising healthcare inflation and the unpredictable nature of modern careers. Ultimately, achieving financial security in a system that relies on defined contribution plans requires aggressive early saving, utilizing recent legislative expansions like catch-up contributions, and building strategic tax-free buckets to hedge against future economic volatility.

## Sources
1. [Synchrony Bank: Median retirement savings by age](https://www.synchrony.com/blog/bank/median-retirement-savings-by-age)
2. [Boldin: Average Retirement Savings](https://www.boldin.com/retirement/average-retirement-savings/)
3. [DQYDJ: Retirement Savings by Age](https://dqydj.com/retirement-savings-by-age/)
4. [Center for Retirement Research: Federal Reserve Disappointing News](https://crr.bc.edu/federal-reserve-has-disappointing-news-on-retirement-saving/)
5. [Federal Reserve: Survey of Consumer Finances](https://www.federalreserve.gov/econres/scfindex.htm)
6. [Barbara Friedberg Personal Finance: Fidelity's Retirement Savings Guidelines](https://barbarafriedbergpersonalfinance.com/fidelitys-retirement-savings-guidelines/)
7. [Fidelity: How Much Do I Need to Retire](https://www.fidelity.com/viewpoints/retirement/how-much-do-i-need-to-retire)
8. [YouTube: Fidelity Retirement Savings Benchmarks](https://www.youtube.com/watch?v=nGcmT7XS2tw)
9. [Fidelity: Retirement Guidelines](https://www.fidelity.com/viewpoints/retirement/retirement-guidelines)
10. [Fidelity: Average Retirement Savings](https://www.fidelity.com/learning-center/personal-finance/average-retirement-savings)
11. [Department of Labor: Impact of Inflation on Retirement Savings](https://www.dol.gov/sites/dolgov/files/ebsa/laws-and-regulations/laws/secure-2.0/report-to-congress-2024-impact-of-inflation-on-retirement-savings.pdf)
12. [TPS Group: The Impact of Inflation on Retirement Savings](https://tpsgroup.com/articles/the-impact-of-inflation-on-retirement-savings)
13. [Martin Haugh Financial: Impact of Inflation on Retirement Savings](https://www.martinhaughfinancial.com/blog/the-impact-of-inflation-on-retirement-savings-what-you-need-to-know-now)
14. [Center for Retirement Research: How Does Inflation Impact Near Retirees and Retirees?](https://crr.bc.edu/how-does-inflation-impact-near-retirees-and-retirees/)
15. [Caitlin John: How Inflation Impacts Your Retirement Savings](https://www.caitlinjohn.com/blog-posts/how-inflation-impacts-your-retirement-savings-and-what-you-can-do-about-it/)
16. [InvestmentNews: US Pension System Rankings](https://www.investmentnews.com/retirement-planning/us-pension-system-is-among-the-best-in-the-world-but-there-are-nine-better/259156)
17. [DG Legacy: The Shift in Retirement Planning](https://www.dglegacy.com/the-shift-in-retirement-planning/)
18. [AARP: Global Retirement Index Nations Ranked](https://www.aarp.org/money/retirement/global-retirement-index-nations-ranked/)
19. [Washington Post: Social Security Global Charts](https://www.washingtonpost.com/business/2024/07/19/social-security-global-charts/)
20. [Reddit: Retirement in EU vs US](https://www.reddit.com/r/Bogleheads/comments/15hv38t/retirement_in_eu_vs_us/)
21. [NRMLA: Vanguard Releases 24th Annual How America Saves Report](https://www.nrmlaonline.org/2025/08/08/vanguard-releases-24th-annual-how-america-saves-report)
22. [Vanguard: Retirement Savings](https://investor.vanguard.com/investor-resources-education/retirement/savings)
23. [PR Newswire: Vanguard Announces Record Retirement Savings Rates](https://www.prnewswire.com/news-releases/vanguard-announces-record-retirement-savings-rates-among-american-workers-302180322.html)
24. [401k Specialist Mag: How America Retires Vanguard Report](https://401kspecialistmag.com/how-america-retires-new-vanguard-report-shows-most-retirees-stay-in-plan-after-first-year/)
25. [Medium: Fidelity's 10x Rule is Ridiculous](https://medium.com/the-10x-entrepreneur/fidelitys-10x-rule-is-ridiculous-bcefd3883972)
26. [Moneywise: Fidelity Might Be Wrong About Retirement Savings](https://moneywise.com/retirement/fidelity-might-be-wrong-about-retirement-savings)
27. [YouTube: Expert Debate on Fidelity 10x Rule](https://www.youtube.com/watch?v=LeprVlIxDmY)
28. [YouTube: Fidelity 10x Rule Taxation Flaws](https://www.youtube.com/watch?v=Gs_yKqIFACo)
29. [Fidelity: How Much Do I Need to Retire (Case Studies)](https://www.fidelity.com/viewpoints/retirement/how-much-do-i-need-to-retire)
30. [Fuse Workforce: Secure Act 2.0 Higher Catch-Up Contributions](https://www.fuseworkforce.com/en/knowledge/secure-act-2.0-higher-catch-up-contributions-for-ages-60-63)
31. [SFG Planner: Adjusting for the New Retirement Plan Catch-Up Rules](https://www.sfg-planner.com/blog/adjusting-for-the-new-retirement-plan-catch-up-contribution-rules)
32. [Fidelity: Catch-Up Contributions](https://www.fidelity.com/viewpoints/retirement/catch-up-contributions)
33. [IRS: Retirement Topics - Catch-Up Contributions](https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-catch-up-contributions)
34. [TIAA: 2025 Gen X Catch-Up Contribution Secure Act](https://www.tiaa.org/public/invest/services/wealth-management/perspectives/2025-gen-x-catch-up-contribution-secure-act)
35. [Google Search: Time in Australia](https://www.google.com/search?q=time+in+Australia)
36. [Google Search: Time in United Kingdom](https://www.google.com/search?q=time+in+United+Kingdom)
37. [Google Search: Time in France](https://www.google.com/search?q=time+in+France)
38. [Google Search: Time in United States of America](https://www.google.com/search?q=time+in+United+States+of+America)
39. [Vanguard: Retirement Investor Resources](https://investor.vanguard.com/investor-resources-education/retirement)
40. [Vanguard: Retirement Savings Strategies](https://investor.vanguard.com/investor-resources-education/retirement/savings)
41. [Vanguard: Retirement Planning](https://investor.vanguard.com/investor-resources-education/retirement/planning)
42. [Newburg: Maximizing Retirement Savings Strategies for Late Starters](https://newburg.com/maximizing-your-retirement-savings-strategies-for-late-starters/)
43. [Vanguard: Planning When Can I Retire](https://investor.vanguard.com/investor-resources-education/retirement/planning-when-can-i-retire)
44. [SmartAsset: The Average Salary by Age](https://smartasset.com/retirement/the-average-salary-by-age)
45. [SSA: Average Wage Indexing](https://www.ssa.gov/oact/cola/AWI.html)
46. [DQYDJ: United States Salary by Age Stats](https://dqydj.com/united-states-salary-by-age-stats/)
47. [Empower: Average Retirement Income](https://www.empower.com/the-currency/life/average-retirement-income)
48. [Census.gov: Income in the United States 2023](https://www.census.gov/library/publications/2024/demo/p60-282.html)
49. [OECD: Net Pension Replacement Rates](https://www.oecd.org/en/data/indicators/net-pension-replacement-rates.html)
50. [OECD Data Explorer: Replacement Pension](https://data-explorer.oecd.org/vis?tm=replacement%20pension&pg=0&snb=8&vw=tb&df%5Bds%5D=dsDisseminateFinalDMZ&df%5Bid%5D=DSD_PAG%40DF_PRR&df%5Bag%5D=OECD.ELS.SPD&df%5Bvs%5D=1.0&dq=AUS%2BAUT%2BBEL%2BCAN%2BCHL%2BCOL%2BCRI%2BCZE%2BDNK%2BEST%2BFIN%2BFRA%2BDEU%2BGRC%2BHUN%2BISL%2BIRL%2BISR%2BITA%2BJPN%2BKOR%2BLVA%2BLTU%2BLUX%2BMEX%2BNLD%2BNZL%2BNOR%2BPOL%2BPRT%2BSVK%2BSVN%2BESP%2BSWE%2BCHE%2BTUR%2BGBR%2BUSA%2BEU27%2BOECD_REP.A.NPRR100....&pd=2024%2C2024&to%5BTIME_PERIOD%5D=true)
51. [World Bank: Architecture of National Pension Systems](https://thedocs.worldbank.org/en/doc/310361530105613443-0160022017/original/March8Pensions4pmWhitehouseSpotlightcorecourse2017002.pdf)
52. [UK Parliament: Pensions International Comparisons](https://researchbriefings.files.parliament.uk/documents/SN00290/SN00290.pdf)
53. [OECD: Compare Your Country Pensions](https://www1.compareyourcountry.org/pensions/en/0/all/default)
54. [SSA: Policy Docs - Shift in Private Sector DB vs DC](https://www.ssa.gov/policy/docs/ssb/v69n3/v69n3p1.html)
55. [BLS: Celebrating 50 Years of Protected Retirement Plans](https://www.bls.gov/spotlight/2024/celebrating-50-years-of-protected-retirement-plans/home.htm)
56. [Forbes: Employee Commitment Didn't Change, The Employment Relationship Did](https://www.forbes.com/sites/sheilacallaham/2026/05/31/employee-commitment-didnt-change-the-employment-relationship-did/)
57. [EBRI: Only 11 Percent of US Private Sector Wage and Salary Workers Participate in Defined Benefit Pension Plans](https://www.ebri.org/content/full/only-11-percent-of-us-private-sector-wage-and-salary-workers-participate-in-defined-benefit-pension-plans)
58. [Center for Retirement Research: Has Pension Participation Improved?](https://crr.bc.edu/has-pension-participation-in-the-private-sector-improved/)
59. [IRS: 401(k) Limit Increases to $24,500 for 2026](https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500)
60. [CBS News: IRS 401k IRA Contribution New Limit Thresholds 2026](https://www.cbsnews.com/news/irs-401k-ira-contribution-new-limit-thresholds-2026/)
61. [401k Specialist Mag: 2026 IRS Retirement Plan Contribution Limits](https://401kspecialistmag.com/2026-irs-retirement-plan-contribution-limits-all-but-official/)
62. [Gusto: 401k IRA Contribution Limits 2026](https://gusto.com/resources/401k-ira-contribution-limits-2026)
63. [IRS: Retirement Topics - IRA Contribution Limits](https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits)
64. [Forbes: Fidelity vs Vanguard Which is Best](https://www.forbes.com/sites/investor-hub/article/fidelity-vs-vanguard-which-is-best-retirement-investing/)
65. [Unbiased: BlackRock vs Vanguard vs Fidelity](https://www.unbiased.com/discover/financial-advice/blackrock-vs-vanguard-vs-fidelity)
66. [Yodelar: Fidelity vs Vanguard vs BlackRock Who Performs Best](https://www.yodelar.com/insights/fidelity-vs-vanguard-vs-blackrock-who-performs-best)
67. [Washington Examiner: BlackRock Retirement Portfolios ESG Push](https://www.washingtonexaminer.com/news/investigations/4581940/blackrock-retirement-portfolios-esg-push/)
68. [InvestmentNews: BlackRock Takes Aim at Vanguard, Fidelity](https://www.investmentnews.com/retirement-planning/blackrock-takes-aim-at-vanguard-fidelity-with-indexed-target-date-funds/38040)
69. [Goldstone Financial Group: Impact of Rising Healthcare Costs on Retirement](https://www.goldstonefinancialgroup.com/the-impact-of-rising-healthcare-costs-on-retirement-savings/)
70. [DeMar Consulting Group: Why Rapidly Rising Healthcare Costs Make Late-2025 Retirement Planning More Urgent](https://demarconsultinggroup.com/insights/why-rapidly-rising-healthcare-costs-medicare-adjustments-make-late-2025-retirement-planning-more-urgent-than-ever/)
71. [InvestmentNews: Record Health Costs Are Impacting Financial Security](https://www.investmentnews.com/retirement-planning/record-health-costs-are-impacting-financial-security-and-not-just-for-lower-earners/266796)
72. [InsuranceNewsNet: Rising Healthcare Costs Impact 401k Accounts](https://insurancenewsnet.com/innarticle/rising-healthcare-costs-impact-401k-accounts)
73. [Milliman: Retiree Health Cost Index 2024](https://www.milliman.com/en/insight/retiree-health-cost-index-2024)
74. [401k Specialist Mag: Worker Retirement Confidence Improves Schwab 401k Study](https://401kspecialistmag.com/worker-retirement-confidence-improves-schwab-401k-study/)
75. [Schwab: Modern Wealth Survey 2024](https://www.aboutschwab.com/schwab-modern-wealth-survey-2024)
76. [Business Wire: 2024 Schwab Modern Wealth Survey Shows Increasing Financial Confidence](https://www.businesswire.com/news/home/20240612851078/en/2024-Schwab-Modern-Wealth-Survey-Shows-Increasing-Financial-Confidence-From-Generation-to-Generation-and-Younger-Americans-Investing-at-an-Earlier-Age)
77. [Retail Banker International: Schwab Modern Wealth Survey Boomers Financially Optimistic](https://www.retailbankerinternational.com/news/schwab-modern-wealth-survey-shows-boomers-are-financially-optimistic/)
78. [Schwab: Retirement Confidence Dips Amid Inflation Concerns](https://pressroom.aboutschwab.com/press-releases/press-release/2025/Schwab-Study-Retirement-Confidence-Dips-Amid-Inflation-Concerns-Savers-Respond-by-Cutting-Personal-Spending-While-Maintaining-401k-Contributions/default.aspx)
79. [Courier Capital: Importance of Retirement Savings Lessons](https://www.couriercapital.com/blog/importance-retirement-savings-lessons-how-america-saves-and-beyond)
80. [Vanguard: How America Saves Report 2025](https://corporate.vanguard.com/content/dam/corp/research/pdf/how_america_saves_report_2025.pdf)
81. [Vanguard: The Vanguard Retirement Outlook](https://si-interactive.s3.amazonaws.com/prod/plansponsor-com/wp-content/uploads/2025/10/13213629/The-Vanguard-Retirement-Outlook.pdf)
82. [Vanguard: How America Saves Small Business Edition 2025](https://workplace.vanguard.com/content/dam/inst/iig-transformation/insights/pdf/2025/has/HAS_Small_Business_Edition_2025.pdf)
83. [Siebert: Plan Design Reshaping Retirement Outcomes](https://blog.siebert.com/plan-design-reshaping-retirement-outcomes)
84. [Medium: The Gaping Hole in Americas Social Safety Net](https://medium.com/@hbwriter22/the-gaping-hole-in-americas-social-safety-net-a-comparative-analysis-with-european-models-bb5496805d6b)
85. [Washington Post: Social Security Global Charts](https://www.washingtonpost.com/business/2024/07/19/social-security-global-charts/)
86. [New Labor Forum: Safety Nets an International Comparison](https://newlaborforum.cuny.edu/2019/06/05/safety-nets-an-international-comparison/)
87. [The Globalist: The Surprisingly Large U.S. Welfare State](https://www.theglobalist.com/the-surprisingly-large-u-s-welfare-state/)
88. [PBS: Pandemic Shows Contrasts Between US European Safety Nets](https://www.pbs.org/newshour/world/pandemic-shows-contrasts-between-us-european-safety-nets)
89. [YouTube: Fidelity Retirement Savings Multiple](https://www.youtube.com/shorts/BRX1A8arbqQ)
90. [T. Rowe Price: How Much Saved for Retirement](https://www.troweprice.com/personal-investing/resources/insights/youre-age-35-50-or-60-how-much-saved-for-retirement.html)
91. [Barbara Friedberg Personal Finance: Fidelity's Retirement Savings Guidelines](https://barbarafriedbergpersonalfinance.com/fidelitys-retirement-savings-guidelines/)
92. [Fidelity: How Much Do I Need to Retire](https://www.fidelity.com/viewpoints/retirement/how-much-do-i-need-to-retire)
93. [The Motley Fool: Here's How Much You Should Have Saved in Your 401k](https://www.fool.com/retirement/2026/05/30/heres-how-much-you-should-have-saved-in-your-401k/)
94. [Google Search: Time in United States of America](https://www.google.com/search?q=time+in+United+States+of+America)
95. [Entrepreneur: Average US Salary for 30 Year Old](https://www.entrepreneur.com/money-finance/average-us-salary-for-30-year-old-how-does-yours-compare/486526)
96. [SmartAsset: The Average Salary by Age](https://smartasset.com/retirement/the-average-salary-by-age)
97. [Capital One: What is the Average Salary in the US by Age](https://www.capitalone.com/learn-grow/money-management/what-is-the-average-salary-in-the-us-by-age/)
98. [Fidelity: Average Salary in US](https://www.fidelity.com/learning-center/smart-money/average-salary-in-us)
99. [Carry: Average Salary by Age](https://carry.com/learn/average-salary-by-age)

**Sources:**
1. [boldin.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQEAZtGZZ1nymUI3AKNMniiKR8Hdj19Tfj6Ve9PeRdxhCEebZ8wb7aLhsqAb6TieA7xnI1v6hOnuMjaIa2lkhg9_qON_Ivt7eHXfoC1YhJ1FVtgKUWCQ0U8jnt9V2XwsL5iuO89TMkGrMRbU7S_DDa9SY4Y=)
2. [smartasset.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQFS5RTBnYVZWwqzCM40obNDAuNjDqUej9OQFIIt6ZQ9fSfOYei3TxB6n7bpNsEeLIopoPFF9YL-Hd5fhbW6jWFCxpU8rOwWM3oKgQVhZTYQC3BOS0Y7Fbt7uWCBmPk02dvNMDEJdAc18FU4QEgeF3_r)
3. [synchrony.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQFTz2M77NcDR4dARH4hnkAdpghfL0TAdOkunPYpcCcJshO5GeY-IYC_VmZSiM9EJmrcd0JR2Bt_SpDK-lLqSu3ghktAedPHsl3xXTuXg1DzKAkMB_4gulGqk4a22m8mWmW2zavO8i-tgq74tJTEh-YID2Qu8ZotuX5W)
4. [bc.edu](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQEZDzZNov3c3DV6v4BvnoIEzvBuBAsO_OeJYGUcj7v8fNr6ZzVVsMcypPsrkhxrsMHIuXFMbZy8CbszClEOwncI-G3shnyDVs1i5wVVFFMclldZkMW34vw99fbXyR-hj6pi0lZCu7lxG1C2Lf2nyIijwfAPxyEDaNxB8abcMruCk7Tk0P8=)
5. [nrmlaonline.org](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQF8INwBvLgn7nrGtqQLxoqryT2ET3V1rwyrl6SinjRKNdV2U_MnFFKDq_8SdUYBF0gP64UcNbOfuNoUitOaJetmpeEZtMulV2upCYPhiJgtALUZVmjH2tGq41MrP6xKdJ4FzYuSmfYvdF4LfL0fFmKpDSGqbGEElnaINXC-bZrCMNdDTUxsLXfH7mnIqVK1Wc7-7w==)
6. [vanguard.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQG-SSa6PvmuNrqJMsoyAa3Gpb4JL8pw7MJ3RiIT_j6rD7PgaBmlh3_8m_XeprQOTj74FSoTnmIg7U5o1PEK8EorYqsAjVOirP7YqzgnD8Y5VBOSoTHUSh2bhmtT8gng0KTfHeWdUQbAvO5SDRiUDFab084Fj2zhJKjayXLd3qpcCkRY)
7. [carry.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQGLqKIiRE7Om-ORXkSGTdgNJL0RC4ICQnxLJUdaUiohDAEbbieMVzSXDGUoWAfHmE_vhcWX8a0pmCfsvJr1HlA6TzxBjdM7S0Yiyap9-2KT_PYkHYO58qPXgakqg35NwB-Prg==)
8. [fidelity.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQHdpvDS6P2ov8fNJmU-e_rFZVNsuHAGKjXd3bEJB4UOA3090P2lo7q5ZpF03TyZeo65LQ-_nRdlomkofOzS0j8dx2vjd710JHKdIa0dwrFSMJZ7wSOueh0LSmD1N1FbNVGdgntn8_ZWNxakuVJWsf-jPbrCEUM8F-aXGLrRs5g=)
9. [prnewswire.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQH6bH6wxSlCHtu64uHWcd2tn91NIWcLmgdHHjnqWjF_3UT3db3Igy_pw7bm4bW8fMZYTkYJJo3GF7lF0FW9fWV2Ii-5l5ZLPgd1lLLT6zd2X8idrSJ1VD8-GXiFL9dZ6749xWvGoaa0XvOk7WRXwtR80e_toPMhXziIcapWB4R70sEUFvIr5VofgmGcxZUkHdqSqlIaicTjfCHfDfr6_MsXmuxcDDLmmy-4w8BmT0r_CCm2mCK0eLg=)
10. [siebert.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQHAmO6opSQuWGAk_YKqfVeIQYKrA5Yrw_PZCxAsCqrbrwTWHMevAc0FzvPLoaH7aRfgt_nqQPr3H0C1ycE20o3YR8crV3vmVg3jFMjEJCpE-4yGwgaKw2W0DuE2UST7woF6t0WGxDpr0E9EFyaugzHjTd70RRbBKg==)
11. [barbarafriedbergpersonalfinance.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQFnFwYArAHFmdCka24g9LgNJqBYOtus1Vwjefe3SBbFNf2DWvr7mNFdGmKbkZEl7aj88lsQVhIlQQeJapmY-ekRJ49XGHG3EAGD8iFj_49uzOCidj9jMtQh0mmXJqkeZBSV7ckG99k7-iG9fRZy5flTKwHKAgGfzIpMfq9_VufN3_siT0KDck8ZXA==)
12. [youtube.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQFBYeqJ67to45YMLTqnQA8RTen1Sig-KT0dTagUY8lHQThVJhCL7rPzD6TrUebvBHu8XL-6ezt44-BcPcbx2TvFGxTS7BK4VedGYMDLO5E7II051hpbi-Q7GaTIDOrqHQ==)
13. [irs.gov](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQGgtH8pvrfeqfQ4UIMostrGktcl5q--D_Mc1y_CoQrKQT-FRosLY5IkACk3RbaQ0qBZ8Yj8DXOw1872IOdG8yjSLNesfY-GDU8XH02hzTNOJq8RgCKss1UjLf5MSixSpIDMsIuQ46t7nBeqA7HTnJKoB_nxSrl5aSChJ5zZIfiKyk2y7wLkQ-jXnZWUZxI6Dqi-K6rO)
14. [cbsnews.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQF2ArSaVZAvRd_Y7Bkozyy21fYApssDFi4ROzw9A4pzKd4c3AIcKAXlh_68v0e15DGF5waNFI7j-jXokc889nipjsuyVhxJ6m0TUoaSO5vlFjE8aKwea3vae8vWFhJ0fPkrid7bY4jYChHy7LIeZXe8wSr8dIGBJi5JFgFlUzSKjjvVS8wvKw==)
15. [401kspecialistmag.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQHxx-dSpRcLAwi72EBdh6FrhDC0Fsmq0Ryw7Ede5oH_3vBWUj_8COvAX0_931ITcl1eEuXgcXDZm7yuc0E3daNUlmOeBs4XjFfvIfjOiIo38VzFyTniHiykOYh7i8y1yN1gd7DmT5nGq0KEL7SwjF1UPWxtlYuyIWl1XC3hzZOqBLJohkI1mbDOGUyH)
16. [dqydj.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQEbIaTFd15TCxhD7v5JdetQo4hLvUGipw8Xn0PQRIKqpi3h8kcXWmq7XOvLD6qw_PSwU1uXQN-VPsD7cUAgBRQOv6n8X-1f8O3PIKw_-oLByMrXQ-k8bez1A00nO7SKsShD)
17. [fidelity.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQFI9I0lgyQtUvec-w7-8KSNf9tGR-HfmqyomgY0y1Zo7yzySNb55jYHJm8dLKuXLtYn1O07Hy0NC6Z6ZUaWrreY1FNftP2EyMHQ__rNTtBwYQ14NTUFSIxJWZ9J_RlCMhgJaCLY1QVyy_K_Ckcs_mPDLQhAb0Y7ZH70luf6hIrAvQ==)
18. [medium.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQFL1vxi6ORdAbf8OoRvdq-I1aR3xvbAda8Lyu8ByckdLVxgm6mjd7YkM8dEfOKHkmbPTgPSW79dWzEWdWz-07Kvmbyolve0ULuNjgmuksZ3cwl7_uGcYKyhPgVC6R_wlngVZSv5OALLekDGCz3FTdi9iB1D2oEhlglg6R6sHyKlIgdGr_VMWF3z6-c=)
19. [fidelity.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQEz7G8cEwzn1h3gmpxgpJpTQ3y0kYYKf2moDm-PCRgEOBZcKTcLS2FOx2InCzVNLf3ws577AVAavqKdam4jMghgB68Ewocl9UbbpTJIgj0yaGkUZ1Ym3yJ8JD0jhQZEqz0YOAcLkdcARARKuFm27xn0kaDFxhw2T76uS4Hbkm9RdsxCxEGCxifKLw==)
20. [401kspecialistmag.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQFy5NVw8fC-jefXNADkydWSufJsdP1YYTAPeDaYjaqDI-SdABAKPtGtG1_df7Jl-Tq5DTmLC7EACl8I97ofdKhp0QxKhmkgpFwKrm2nqA9-hyi9V1Pt0wyl42_rStcEuE7z4lQo6fZTNd7e_orjjSvFjgPw4p2OfM4-le3Lisd-xhSCd0YkZ6nywkx5WF2rmD_4DkrZa3tyIBibBLt1r8LPvRWnoeNp6Hw-QzrXfQ==)
21. [vanguard.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQGBWr-DyLZyo7JywEgJ8vn29FtS15tphj9BpexCwHGp8Vsel8khxrlEKJMKk6JK4aNZBnt0opC1RzMAsMkgSuifBLDWMsPVOOcmlwW7JyA8FwJApXxUbYJF4nj7zVhcShg8GHr5ZMSVP02aeT5Q6sM8VslC4YVTiJq1B6XtyXVsaMccTsPXuV1kE86f4R3TmpsCkvFjRA==)
22. [empower.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQFly2IztSs8jMxmtFrWBgV9UTA2HF81pLJ0thZUZHC-JNczEOXVlRe5KgqohhMViYpLUzCxEYKW_HBI8uB5509nqAmnarso20A8HjC_TXssn2jK2YLKNxQd-cwwVlM8o5iox6njFO6gzqidwx8t8vMi2PrvgaZCQhM=)
23. [youtube.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQE1fcWN5fpHHrx5z3uifn-U_dMMoMfU4_ndUpjSDIZFLnwcNHohrHkdCsVIJ_-HwPG1GUiiA3e1JkPKYiChNIKos_B-O92dVK4v8nlEUMIdcOXVTD3zT7M7XjmaOjtXpaY=)
24. [youtube.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQHKVpl3rVIDqOXbpEh2H3d7wXgaQFcbOzQAF6_6DGtwbJbWM_W-Mc_gaXgqw7c89dL75YRKC4jjx9VELfDH4BxU1BXyLvv2sUK7G_cujmxIc2yCbYCLEhbwhGoEn-rhAuU=)
25. [troweprice.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQGj7qSaIWTK2CQOpYQETsLIGhF1-kWMIG5LrBSOVyspinxACOrTY2smLOnv4tW_7DD43tSgssRjwiUHOIsuaLoiJUpJQz2k6OqVTlin4MV9cqxigp5GR2fOzwMfv3LR7JZL81m5kSl_CsUWWvQi37fCxTP8gxXRyAiDPZuKvk-2gbE0m-tKrM6JEYJu-0_GT6e2hjtDhCXAzOzk4jlcOXmxAk1JA-2oadm-RO3NP5k=)
26. [youtube.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQEH4bo6x8ysOvwxft7oaeA-B8jo8lK-8aSMzsw2Tuay7McDye9sXTCxOzXJQNpDDZNj4EmbsxL0jq-Ml-EMubEsCYy_h8qUpp98uu92BvcDjSD99EhohtZrJuOyccSSqaI=)
27. [tpsgroup.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQHBiR0-1yybjjcbCpoWYDvkymNog5lgRl82EgYeAjP4xol7UB089h7SQ1SoXzWGgp9DZv6ebrkxCYGem6OmP8SmDS5CZUSuRP_yJJVjv67pmlV57yyQC_fkHANB3gLrNK_D1UAQO5Vr5BNcAFsAQdMNQLfijamMMI_F82gV6l8M3g==)
28. [dol.gov](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQHaWOiRSMzpmgiYn7V3sx9YFBzPqXzpibT-XniyxsB3rdfpyP3jUNSeNLdu7TiCc6m0qMganZjyjWLaNAwCjh-RGX2ltxuB5RyHEJNUqTg5l1PkfhVSXo9EkZAZCLXnOnkDe_cWhknObGnoJZKPlckgPMMRSiO3GppbU-wF81oGLIg2OH8ZljuGpJQ3LpbnwSg7gcmscuc3duvbhf7lVjItGWgmPpBoypSCuQswT3OxqubnBThFD-rNQZ7cZBloDBwI5aST4tJuA_kylXc=)
29. [bc.edu](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQHqt_-Ue44_Dxe-94JFTuXB2fHPX7vvqFaU7Nxe8YzabZAngkkYEyWJKphVPz7uE7MnYa3fIJfDHIsA6b5pQIHtRd25J2zRnNcHpBOWQpob_9MdaYzgfJvMAFOlWOunfBx99oaNly1rY6mVzBrXtBq2EBdMpGOpnwTSrqthiQ==)
30. [caitlinjohn.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQFtZgilxMBVBzJOyfRnYFWvwky7NEENGbagxBGm3UWGhajbWL1b6joM6Y2JCuUgkEcmXesvUm4B8U3ZYtwAk89msba_REwLiJwGIWe0yn0AwkM6Y1G78Gvb0N0gmzJ7qkEucPqYgklWWT58XCQwQcqqVyNMmjS0IGoYCo0Y09b_tudVsA0eSzmgQQ3cmEnGKDI_Ux4w9hG0laeoo3zDnO49MC1srZPDbQ==)
31. [investmentnews.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQGwneU38BmPhGMb83zK7ahy4xWxHDQVcr-fW-B3ZOevFsJqH-KzNGrpAZZD6muwkekN3yuV88G_n4e0r9RdTZ0_L24NUWC7SwFAjxVAY2cmXHMVjC8cwcGBLFCzju0ZlTipy--fIQHQXsUEvnZHu-0Ekqv1G4NNtW9q_avD91xeLRc8LS7gkxwx8w7tSoJysbKxY20nPvLptkpdizjJy5CIgqNTLm99U2fqXJth_jljH91V0QfT0mF3wRGkcp3xSg0Eui0=)
32. [demarconsultinggroup.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQHZ7VTJcUjMhCQSt5HKFUUxfVbGpRdEbQhmfM5jVgxD6mydHtX8IPUka6zAzm94XJw3dcvZY0_2C4JC6vO3u8Gd94sCDTjzKjZxMmTAKY4yb1-T1JbAZeSYW7MuFu_0GA6yt1xvHf635vZffvwnRLkrLJB26bAmMKp0Pah2mN8DxHE-VrSyvbJ3k0t1L0nq6Q8aLMPVxk_sPUZnZZP7epcjyo8PIskuZKsSN9r9Wn6QCsBVZHzYCh5csnZN95xQed6-f9WfraF0pMG0RDGyQktw5OQ=)
33. [goldstonefinancialgroup.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQGduMnpWRqOLynSOvHq2N1unzqHIFAHTacejGnBew5RsZXXaVoR6tgQVxmIPdvM3sNTvVw9Z7MN4ELx-s4XgTtHurMAOQBW-PuY6YknAlaJcl1bBm697MIfQKh1y-936IHCY2aU9SEHzsmrSNzc46SDyP_EzTzqQSwefjDPIMZWR-nAuOts1uAWUlaFqUeeOKJC9YvVQLWBOPU=)
34. [insurancenewsnet.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQE8LUSXAB5-R2n6EZG0UfdGb33bLwUMk3eDRQ9uhqJi4fcywT7J7i_d82JNk1U0M8qtZnKpeE5jSGoqPh6daq_rs-ozbHlT35rIzztFX2J0ot7V96crS3OoT96aOXODZx4gTOyvk9s9_jJCettsAtix5NBitwLjWllAhTU7R05FkJcjx-bidC2C0Q==)
35. [ssa.gov](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQFJ6j6oNFnvsvPOLoDFx3OzUO_hPZWL2PaodmplX0NwPySACtSLbawRw0USLAhJ_rY8pWRDdX43zvQRpguWE_xadWio8f9LCpYulngb4OdLLNRk7s6hhJWBNC4QU8a0qgyZ8nd5LgFBpHci1Q==)
36. [forbes.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQE1aN3FnZeMhxH9ImdbUh6IeYw7XWDp8czHWPmA6VRRJo7CkBPPHxNzCxdN_g2-oZxPmLZm0ZRF8LsCqv-3F4tjtJNyzDIxrBaKknl0qOM6MUAqw-kJonsivRMkkbLr3QlxlvIFA2O-OkdE-fu8k4FTilL5QfG8s4xhzOH1CJEs5zn_5YntxZ11_KjcSuZrpkrPMn68QFp_SaWbeCtLq6fo4E_KKmLNKIfVH5nFyw==)
37. [ebri.org](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQEt3rnPBYbiTTe4-OvvTuQE_O17u-gP6U6nhjUqM0VsXaVDy6OAXNUlSG5y0E46MQPxJXW8MseybLIUz909i4wwnqMQhtdun0L9pO2vZeG2OaF4uewc7ygS-YwfAX7YdFzLTZxfqLvth-5T2KsFVVQAUApkx3C4yyVZ8OPNw4Fqt4hizeGFF1oiGzCPhwpaTl6DXDrwiJtd-6_xbHR1_4W4YIui-qkCkfqoLwlQkvnws7OHtiCu4XVUu3F5xMUK-qfe)
38. [bls.gov](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQE_-YAeN-ov4gXkUcfp2oWTOKHNRXq50kwUwyYtcCpIOR0Yh0NnNJJHbJ3Kp3GJJ_r2CPgJpLWOdJDReHrWtiNRvYzjZ0sGYLY4WpmemDu2BCYISl05mFX3yhbfe3zlQpsyTMLefTAgbk6HiW7b3yoxrWHXuHcIpx2TryABIFKVJh0Txy9sktrCf1CZ5w62vmNB4lE=)
39. [aarp.org](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQHZWarCQSDW8kalYOccFcM68QakPK8sqzchax7cidgpxt62Xl_Qm0Nglw78uX-zO6RU7JRZkXUrFz_0naUDA2XpurRGzdTxj9uH6S6aGjh6AFYVCSvDD6_3lO7rO-3F__A6EcnxzStrEBDFena-HIYQSN5Km_gKxoocE1VHXL7t1_o6)
40. [investmentnews.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQF8IvcLjcercBryGA_m4zxvpqOIy68D-rLXIAvuK2g00srX-7fiOBtxaoffktxOEYCUU8YM71e0eaeww5B9-fbUeBPWGranegztljZacKMneqkZFMbJ3s9yV5jdZspqhbrlhdCvmHSu2-B2OzcjL0WwZGr6wG7FrP71VMLq8btlVErdZLhwPZWa7bUdYwFFX8o6aYjkfFQdEnBTZpmx4XsyjCbfcc9jt-_FqCqq2-eZ6E9RUnPihNe_xic=)
41. [oecd.org](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQFmits_tdKmcHhtnsz_2MTrzgWQ6l9RYL-lKVUT5flTqt7k9aBYdwTQYFentxU-kZ8FfXEJoopmgUnwKPZaO7fEitu56r-HevjDQEuLiMqOTPYZ0bMP3C-iIyX-aUVhGMxSCVigrmot8W_M218fjqsqw4z30j1SlmyAp9hQlMmt5fmQLcRrEmZmz-2l3TC9wKXwqxsxI9vnTNEmLyhSwTT6nRqMt39KDPLXpjAHa77TQLzhjbrsj4sFi1kaXGKmkuCKWqKdEPd0IegeCZPuhPdBj6pz-_FHh5_1I31OhXtOe4EZSF2oOcujbBB4_Pn8TCMAZDzU-rDOhHSdmD8bvkJ1g9oHxwzapS3TJN7LKp7KMpjkGXHhSEUrCFSp5ZsKOOKI923v_BlLDTMLE6jm7c0c02-bSKbLUuqYO9a_SBtQpaNjpMiei9JJH9s8cmF0yz6xwqWuV_1oq5dcf4KLxLLmH-32-3Js-Hag68Gm2FFTEKZ_N2GtB58wu4Poa5rWCcwjS9gHV9zyLQq_O0bpGRHDK79YtzC2gLssT3MmgBOSBbLtOEZ-TqGUJQ2mYEGibjKtwf7LW8eVOyQ1m0reJ4eoa6xLJUZViznVI1KacS3CWYlnzv2edQX03AN1wN6MRjIorqija1PicTnuwhN93mmvkBeB9NJ1T1GjXXELtwltJ4KELbfkO1QdSg4PVs3xXuv8Qzk=)
42. [parliament.uk](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQEfXKI0jCwlwk6A3L2W8wS249VLMALU-lPQ0ekQu26RDfppTJAbmVLnhPZd9Yh0_AbbIZuQKDyXgvyQ4MmOBW7_nNoNAFD9Wa615A0y04FILDGBuOX_drDWORmKG7OcRzhNWt4Nq0NM4J0Me9hW0tSX4BHyZR2kGZKPlSJucc6hDg==)
43. [medium.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQEQbZENcUTIZXQgzvSnb4NoM0tkPmxw-jH9esZUT3V7viaVem_VqzJNXwZ3Ye6aBzxsET5EjYEiRayqaOrabyWHH21YVEuyLZlRYSwDqJvDYmn2x4sOJGPGWZ_C8bduOIaUHfVYSrrnnQc8K9msrWdof02iXSHjoWAkoNrSBE82Adw5Wk7TM_-aNdjUhtDRnEZvpUNIQfIRFqpi_uiBOSaqyCPV_4FQ8H6LYVJ-3NxLM0Sp44N_K5-SOFcK)
44. [theglobalist.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQHbhXWECMYQhZvBzjTAU_i_CZfMbzbV5xUARQpR4tM68LuR_QmPBzrZMionAD5H0m-tWGBH2otZ-uLe84sz9lwuxwKADFcAVoybnGirCucnFivje6KYx-2ZCAfIjlJ5Cn9crxC36wJ0gJIU7_T8pB42Ca7bVGrk_sszaDM=)
45. [pbs.org](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQEWXP7U4xZb98XsbX_Y4MsJ798GYaoSWW_22TRs6GTJYKVJKvypWaAted6NyO9-wRnlI4Sn0iELAgzNT1zU5P1VBqhxxX5FT_S9my7LCfl_Dv89WyijaoBjzvIPnGUveccNTi0ZfPJcV6D5_7Uu23R7aqCnSZmP6OrKUOMGPcKbN9r3DaP-9RRLwaP-DGnWH98=)
46. [gusto.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQFdaX7kjv48as44CVpFS_jIz3hG0KOTxMKx1GCOrmuLzRxEwodQx0L6XBTY03SPNOuWUqlHYHRtSayUOjU00S7nNfa1ArnXl2CC1Y4IxORGlj7tdYty1D82b-1wWTiXy42gyHCb3czJOVCn4KvLMIAMCxA=)
47. [fuseworkforce.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQEY1oUFwRg3PO1W9C93Eo46mF59jgE4V52rUNuq8P2DFgrR-aq0ei9BL3zClS637WRKPmjok-9xN4Tfd_dSAeSejgvcOq8p-nd2f--1X0HkV3EGCU5ecM3YenBXWKYi81lBqcgYszKPuMVXrDkuIcmDRjY270KF0aBzYPlygFeQ7MoyEUKZnpUD_pDSQ0BVw6EB9Q_jvyywuZAWtw==)
48. [sfg-planner.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQEZaERuEFSpN9ZzwflZOfM0BYWgb9W9ExcPyL50tQKWwD9vM1XLgmrkXTZeiBEbEKsRhmBGNgASiXAtxVpCMS-4SnX-5XfEvMdcgDQn1gHNPXtpppi8HV9G9AszkmWZPf0RG5QhEhEUEhUdtrPBrcabNislfOJ7EiieFiuxwDE1Mfw4HQMXPAssmtzI0QGW-zpe8K-6pvbE)
49. [fidelity.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQFWmpUyqJwRY1yol0WtVESaaaYqaaxrCytoli1yxSDNnOsDf3m09SfY61N1AM8rtHjVM4gaoD4yUZj3IR3ck98nD9ViGwLRLg3YWhBz_jdlApfU6hj940xkO29pnaaU-cB_L_MjC9PVDQ2NNuPMIKC8LmpC1YzbX1MZFw==)
50. [irs.gov](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQG_8YsjBmHurTTcVA6KlYd95LVdiFk7cHNdVeFJouIdoGfcDRfIsTb6q0uwwk8xib47E4OpegdxF20Wo7kgL9lUoSAG-cyeTWQXphLkXJDtJnDIvIqgH9sUznZkk4PUEPwqV5JaXLBCENl8e2bghLr1Q9qKY7o1KJvF1Lp4pBYxA25rnva5iQ7utigB8e7Ez1l0pBSRccBVDwabZMI=)
51. [tiaa.org](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQFXQNWMFmjz1Uu99Fo-X0X6oxrpQnQ-o5Jllrl0FsYHmWSlrux-k22wCUAmQA8f4rOGnumlJFesKArulzs9zn0i1PRkuSwnpSjZbA5sSOGWR_Tahfdp5p0STA9k5vi4lTRJDTK2W-uF3ouymVc-xk_Pmxj9BhisAgFZySgeJh2qcFUksNWCSSnCZsU3agcl_p78IYna2bpPTBTYNZWan1CLUVNHecF485MKYfM=)
52. [couriercapital.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQFQAh5h1G3DZOc5JN4_g38OkgT1qRt3QFZ9J2qdhOpPZYtVK5A3lqpkg9WLA7nHdzIzpCQh4nw8Q2npRM8pt8fgegAYe7MEB1Fg1Ke2S1XlJpanLFrnVREOCRpEotCLxhg9VBuuXPBSE96o8p_u78chTpculMnFS7q1-udIiBLQNjfmJyVkyIvOeg_oBxngA4kI9I0_fixMCgLN2g==)
53. [forbes.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQGEPhpkV6z82w0oJSe5vQQLwpfglYBD1u7oxbWP4-XT9wPdj7skKUOCW8zK27EfauEg7Wj_OxAoL2Of841pcAejIJNtMUvyDXnZC8bn_WXSqZnw_jMTEdeDypsCoqjv0azYWTDwItZF6R4G9mRrYYP5u7VMAu0-QOOHcgFLPWJyrEEFkcMdS6WpbS3hY7bNNnwZdBKRGdK8B-PngOBjweg=)
54. [investmentnews.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQGo_Nl20LpKpGGo4GlHOoR7hQP8pu8uohMftEdNc2SE6VQNebDbXlm_nmHBQ9G5rYSo0JHV-gT5OoCpHLZgD8F6O1P3e4n-Q7F7BiQdme_1Em0BbMdhGvpRHdltxe59p2WbfZPHXjjAkM_sMEP3bVBuEB3TvefSBUl3SzEG3DZSr2zHDP8aclvkHbFzu63J0M7gJRvQHswI65YMIr8lzYjkXl4Rt8hYpVgfjq8BLkbO7jD3TFg1SA==)
55. [martinhaughfinancial.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQFz8iVCxv2vnxeK9TtwkycN9Om90WiNUWV8dzV0xzufMHad6_KfrufF3SXBboboSq5hJsCBEASLLUcrP6m3pe3DmkQCbLZOkhDEB-ojFnhqFxfBH9h8RgACa3dUoND5HvLzvQCvIXJYDd-29q-qy6S9VMNAMyOu0IWTQcU2ckBDizqfywOTJ1HuQ3-xienHayY3WVCNWp61oRlUkKwU3oThUv6036Lj)
56. [vanguard.com](https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQE6Z593njZzsa2nu5lEFOEpM5UMEqKumznnNxQ9v9pCweVmmccKZt0KlCoEboxX0DmF53gSojBk9TwNSsEXmC501WITwSjZ-YRdGB_qHRqj2B6LI0nq1Q2LiBN2p4dHWXAracOpbj6Qbsih3HYC8Xg6ESL73oOyyBbOMmOQ7OUDDRxauw==)