Prologue W ATERSHED - \WAW- TER - SHED \ NOUN : A CRUCIAL DIVIDING POINT , LINE , OR FACTOR : A TURNING POINT he COVID-19 pandemic has changed our future: as a country, as citizens, and as savers. When COVID began spreading across America in 2m0o2n0t ,h smaahneya do.f Huoswt hl oonugg hwt oaubl do utth et hree swt rei cetki os nasnlda s t ? B u tWahse nt hweo uyledatrhs i nhgasvgeo pbaascsketdo, nwo rem’ v ae l ? realize d things will never return t o the old “normal.” The way business is conducted? The trajectory of our eircroenvoomcayb?lyOimurpancatteidonth’sempuablll.ic policy? The pandemic has We must adapt to a new version of “normal.” And now, it’s time to plan for this new reality. This is especially true when it comes to retirement. The f i uture you’ll retire into is vastly different than the one you magSion,edwbehfaotre tchaenpaynoduemdioc. today to position your rTehtiisr ebmoeonkt wt oi l l bheenl pe fai tn sfwr oemr t hwaht aqtu et shtiiso nn. e w f u t u r e h o l d s ? Watershed Moments — Why They Matter Tt hhaet , CbOy VnI eDc epsasni tdye, mc hi ca ni sg ea swwaht ea rt schoemd e—s aanf t ei nr f il te. c t i o n p o i n t T
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