,,iii  #aafth ,,congress  #ast ,session 
,s4 ,,res4 #cci  ,,in ,,the ,,senate    
,,of ,,the ,,united ,,states  ,september
 #be1 #bjai ,mr4 ,enzi 7for himself1    
,mr4 ,cardin1 ,mr4 ,alexander1 ,ms4     
,hassan1 ,mr4 ,young1 ,mr4 ,jones1 and  
,ms4 ,collins7 submitted the following  
resolution2 which was referred to the   
,committee on ,health1 ,education1      
,labor1 and ,pensions  ,,resolution     
,supporting the goals and ideals of     
,national ,retirement ,security ,week1  
including raising public awareness of   
the various tax-preferred retirement    
vehicles1 increasing personal financial 
literacy1 and engaging the people of the
 ,united ,states on the keys to success 
in achieving and maintaining retirement 
security throughout their lifetimes4    
,whereas people in the ,united ,states  
are living longer and the cost of       
retirement is increasing significantly2 
,whereas ,social ,security remains the  
bedrock of retirement income for the    
great majority of the people of the     

,united ,states but was never intended  
by ,congress to be the sole source of   
retirement income for families2 ,whereas
 recent data from the ,employee ,benefit
 ,research ,institute indicates that1 in
 the ,united ,states--  7#a7 #dj4f      
percent of households in which the head 
of household is between the ages of #ce 
and #fd are likely to run out of money  
in retirement2 and  7#b7 the amount that
 workers have saved for retirement is   
much less than the amount those workers 
need to adequately fund their retirement
 years2  ,whereas the financial literacy
 of workers in the ,united ,states is   
important so that those workers         
understand the need to save for         
retirement2 ,whereas saving for         
retirement is a key component of overall
 financial health and security during   
retirement years and the importance of  
financial literacy in planning for      
retirement must be advocated2 ,whereas  
many workers may not-- 7#a7 be aware of 
the various options in saving for       

retirement2 or  7#b7 have focused on the
 importance of1 and need for1 saving for
 retirement and successfully achieving  
retirement security2  ,whereas1 although
 many employees have access through     
their employers to defined benefit and  
defined contribution plans to assist the
 employees in preparing for retirement1 
many of those employees may not be      
taking advantage of those plans at all  
or to the full extent allowed by        
,federal law2 ,whereas saving for       
retirement is necessary even during     
economic downturns or market declines1  
which makes continued contributions all 
the more important2 ,whereas all        
workers1 including public and private   
sector employees1 employees of          
tax-exempt organizations1 and           
self-employed individuals1 can benefit  
from developing personal budgets and    
financial plans that include retirement 
savings strategies that take advantage  
of tax-preferred retirement savings     
vehicles2 ,whereas effectively and      

sustainably withdrawing retirement      
resources throughout the retirement     
years of an individual is as important  
and crucial as saving and accumulating  
funds for retirement2 and ,whereas the  
week of ,october #bj through ,october   
#bf1 #bjai1 has been designated as      
,national ,retirement ,security ,week3  
,now1 therefore1 be it ,that the        
,senate--  7#a7 supports the goals and  
ideals of ,national ,retirement         
,security ,week1 including raising      
public awareness of the importance of   
saving adequately for retirement2  7#b7 
acknowledges the need to raise public   
awareness of a variety of tax-preferred 
retirement vehicles that are used by    
many people in the ,united ,states but  
could be used by more2 and  7#c7 calls  
on ,states1 localities1 schools1        
universities1 nonprofit organizations1  
businesses1 other entities1 and the     
people of the ,united ,states to observe
 ,national ,retirement ,security ,week  
with appropriate programs and           

activities1 with the goal of increasing 
the retirement savings and personal     
financial literacy of all people in the 
,united ,states1 thereby enhancing the  
retirement security of the people of the
 ,united ,states4