National Retirement Security Week is observed during the third full week of October. This week is devoted to raising awareness about the importance of planning, saving, and preparing for a secure retirement.

History of National Retirement Security Week

In 2006, U.S. Senators Gordon Smith (Oregon) and Kent Conrad (North Dakota) introduced a resolution endorsing the third week of October as National Retirement Security Week. The resolution was passed by the Senate by unanimous consent, establishing a bipartisan effort to encourage Americans to better prepare for retirement.

Since then, financial institutions, retirement plan providers, employers, and advocacy groups have used this week to promote retirement education, tools, and engagement. Over time, it has become aligned with National Retirement Security Month in October, amplifying efforts to support retirement readiness throughout the month.

Why National Retirement Security Week is important

Many people underestimate how long retirement can last or the costs associated with health care, housing, and daily living in later life. This week acts as a reminder that retirement security doesn’t just “happen”—it must be actively built through consistent saving, smart investment, and informed decisions.

Also, the week addresses the gaps in understanding and participation: not all employees are enrolled in retirement plans, many lack access to guidance, and some struggle with the complexity of investment choices. By focusing attention on retirement security, the week encourages employers, policymakers, and individuals to bridge those gaps and support more equitable outcomes.

  • It highlights the importance of early and ongoing saving for retirement
  • It encourages people to take concrete steps (e.g. increase contributions, check plans)
  • It supports employers and advisors in offering education and tools
  • It builds momentum and visibility for retirement readiness initiatives
  • It helps reduce anxiety or confusion about retirement planning

How to Observe National Retirement Security Week

At the personal level, this week is a great time to review your retirement plan: check how much you’re contributing, rebalance your assets, verify your beneficiaries, and explore whether you’re on track to meet your goals. If you aren’t participating in an employer plan or retirement vehicle, explore your options—IRAs, employer plans, or other vehicles.

At the workplace or community level, organizations can host seminars or webinars on retirement planning, distribute educational materials or calculators, offer one-on-one consultations, or promote matching contributions. Employers or financial institutions might run campaigns or challenges to boost participation or increase awareness of plan features.

  • Check and review your retirement account(s)
  • Increase your contribution or set up automatic savings
  • Learn about different retirement vehicles (IRAs, 401(k)s, etc.)
  • Share resources or guidance with friends, family, or colleagues
  • Host or attend a retirement planning workshop or webinar.

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October 19

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