ADP National Employment Report: Private Sector Sheds 32,000 Jobs in November as Pay Growth Slows to 4.4% The November ADP National Employment Report points to a softening U.S. private labor market, with a 32,000 job decline marking the largest drop in more than two years and underscoring mounting pressure on smaller firms and cyclical sectors. At the same time, annual pay growth for workers who stayed in their jobs slowed to 4.4%, suggesting easing wage inflation that could s

Target Date Funds (TDFs) have long been the default investment option in many DC plans, but 2025 brings renewed regulatory attention and a high standard of care for plan sponsors and advisors alike. Regulatory Spotlight The Department of Labor and Congress have both turned up the heat on TDF oversight. While TDFs are easy for participants to use, they’re complex under the hood – blending equity, fixed income, and sometimes alternative exposures with shifting allocations over

Investing in international markets offers diversification benefits that can enhance a portfolio’s risk-adjusted returns. However, not all...