Wednesday, December 10th, 2025 A topical newsletter from PLANADVISER DC Plan Personalization This week’s Spotlight series considers aspects of DC plan personalization. In Practice Managed Accounts, TDFs or Both? Participant engagement and fees are two major factors when considering qualified default investment alternatives. In Practice How Advisers Can Help Clients Deal With Financial Stressors Personalizing communication and reframing financial issues help advisers reach overwhelmed clients. In Practice IRIC Foresees Broader In-Plan Retirement Income Adoption in 2026 This year saw expanding selection of target-date funds, annuity marketplaces, systematic withdrawal programs and other income solutions. In Practice Making Roth Real How plan advisers are helping participants understand Roth contributions to retirement plans. Data & Research Distribution Flexibility Helps Retirees Preserve Assets, per Vanguard New research found participants with flexibility were 35% more likely to remain in-plan three years after retirement and held larger average balances than those without. In Practice 3 Ways Workplace Benefits Can Help Veterans, Employers Two executives from Morgan Stanley at Work share how advisers can help military veterans transition to civilian life. Did someone forward you this newsletter? Sign up here to get PLANADVISER Spotlight directly in your mailbox!

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