J.P. Morgan Asset Management Releases 2026 Guide to Retirement

Retirement experts share actionable insights on income, planning and Social Security

Published on Feb. 26, 2026

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J.P. Morgan Asset Management has released its 14th annual Guide to Retirement, providing new insights into the changing dynamics of retirement planning. The 2026 edition explores topics like spending patterns, Social Security readiness, the role of alternatives in 401k plans, and the growing interest in guaranteed income strategies.

Why it matters

The guide leverages data and research to help advisors, consultants, plan sponsors, and participants better prepare for retirement challenges like generating sufficient income, managing spending volatility, and maintaining emergency savings as people live longer and the retirement landscape becomes more unpredictable.

The details

The guide highlights key themes including the importance of having defined savings targets and income replacement goals, the benefits of workplace retirement plans for small businesses, the trade-offs of claiming Social Security at different ages, and the risks of unexpected spending volatility in retirement.

  • The 2026 edition of the Guide to Retirement was released on February 26, 2026.

The players

J.P. Morgan Asset Management

A global leader in investment management with $4.2 trillion in assets under management as of December 31, 2025.

Michael Conrath

Chief Retirement Strategist at J.P. Morgan Asset Management.

Sharon Carson

Retirement Strategist at J.P. Morgan Asset Management.

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What they’re saying

“This year's findings show that the top concerns for retirees and those preparing for retirement are generating sufficient income, managing spending volatility and maintaining emergency savings.”

— Michael Conrath, Chief Retirement Strategist (J.P. Morgan Asset Management)

“Social Security remains one of the most important, and often misunderstood, components of retirement planning. We continue to see that the timing of when you claim benefits can have a lasting impact on your financial security.”

— Sharon Carson, Retirement Strategist (J.P. Morgan Asset Management)

What’s next

The full 2026 Guide to Retirement can be found on the J.P. Morgan Asset Management website.

The takeaway

The 2026 Guide to Retirement provides valuable insights and practical tools to help advisors, consultants, plan sponsors, and participants better navigate the evolving retirement landscape and make more informed financial decisions to achieve a secure retirement.