Understanding retirement

If you find saving a struggle, you’re not alone. We can help you understand what’s holding you back, and change your attitude about retirement readiness.

Saving for retirement is smart. So why do we find it so hard to start?

The answer may be all in your head. New research identifies five common human behaviors that actually get in the way of planning for your financial future. The key to overcoming them is understanding them.

The Longevity DisconnectI might live how long?

When it comes to preparing for the future, thinking about your future self can be the hardest part. Find out how the way we look at longevity can change everything.

I might live how long?

VideoI might live how long?

It can be hard to imagine ourselves far in the future. But the more we think about it, the better we'll be able to prepare.

Watch – I might live how long?

Make My Retirement

ToolsMap My Retirement

Where do you want to retire? And what will your life be like? Find out how much your retirement will cost in over 300 cities, suburbs and small towns all across America.

Let's get started

THE LONGEVITY CHALLENGE

Could your retirement savings last longer than you do?

Find out how to determine how much income you’ll need in retirement and if you’re on track to get there.

Log in now

ProcrastinationI‘ll do it later.

It's easier to daydream about retirement than spend the time you need to plan for it. Find out how to stop putting off your financial future.

VideoCan procrastination make us more productive?

Studies show your brain gets fatigued from all the little decisions you make every day. So what happens if you take a break?

Watch – Episode Two: I’ll do it later

The Procrastination Quiz

ToolsProcrastination Personality Test

Understanding your unique style of procrastination can help you identify why you’re putting things off and what you can do to fight it.

Use the Tool – The Procrastination Quiz

THE PROCRASTINATION CHALLENGE

Putting off signing up?

If you haven’t yet joined the plan, you don’t have to wait another day to start your journey to retirement readiness.

Join now

Optimism BiasIt won’t happen to me.

Spending more time thinking about the good things in our future and less time imagining the bad onces can leave us overly optimistic - and unprepared for the worst.

The Optimism Bias

VideoOptimism Bias video

See what happens when we hosted a seminar to tell people about the human tendency to be overly optimistic about the future.

Watch — Episode Four: The Optimism Bias

THE OPTIMISM BIAS CHALLENGE

Need to update your beneficiary?

If something happens to you, what happens to your retirement savings? Log in to name or update your beneficiary now

Log in to your account

OverreactionI just can’t resist.

When everyone's doing something, we assume there's a good reason, and we follow along. But sometimes that gets us in trouble.

Following the Pack

VideoFight the urge to follow others

See why following the pack isn’t always the right thing to do. Especially when it comes to our investments.

Watch – I just can't resist

Everybody’s doing it

VideoEverybody’s doing it

Our desire to fit in with the group is so strong that it can make us change our behaviors. Even when we know that the group is wrong.

Watch – Everybody's doing it

THE OVERREACTION CHALLENGE

Go your own way.

Don't let what others are doing - or not doing - derail your retirement savings strategy. Consider diversification to help limit your exposure to risk.

Log in to review your strategy

Impulse ControlI want it now.

Would you rather have $100 today or $110 two days from now? Our desire for immediate gratification today can actually have a big impact on retirement.

The Marshmallow Experiment

VideoOvercoming Temptation

Temptation is everywhere. But if you can just show a little restraint, you can enjoy much greater rewards in the future.

Watch – Overcoming Temptation

The Autopay Analyzer

ToolsAuto Pay Analyzer

Try this calculator to see how automatic payment services make it easy to spend a lot of money without even realizing it.

Calculate

THE IMPULSE CONTROL CHALLENGE

Accelerate your savings

You can build your balance faster by raising your contribution. Find out how much faster with our Contribution Accelerator Calculator.

Try our Contribution Accelerator

PinnacleHealth Retirement Plans Plan Resources & Quick Actions

DOWNLOAD PLAN DOCUMENTS

Download plan communications, documents and information here.

Go to Forms & Documents DOWNLOAD PLAN DOCUMENTS
GET IN TOUCH

Get contact information for your plan counselors & administrators.

View Plan Contacts GET IN TOUCH
SIGN UP FOR AN ACCOUNT

Manage your information, review your plan details and more.

Create an Online Account SIGN UP FOR AN ACCOUNT
LOG-IN TO YOUR ACCOUNT

Manage your information, review your plan details and more.

Log In to Your Account LOG-IN TO YOUR ACCOUNT