Financial institutions and employers should focus on a workplace-oriented marketing effort to connect with the majority of Americans who say they haven't been actively engaged regarding retirement planning, write Sam Friedman and Val Srinivas of Deloitte. Seminars that address retirement in the context of other financial priorities might attract more participants, Friedman and Srinivas write. Financial institutions may need to seek regulatory or legislative changes that would grant plan providers greater freedom to address workers' retirement needs with less fear of liability, they write.

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