This paper is the product of a collaboration between the Aspen Institute Financial Security Program (FSP) and Common Wealth. Together, our two organizations aim to connect and bring a fresh, solutions-oriented perspective to two critical conversations in America: one about the future of work, the other about the future of retirement security.
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America’s retirement system is seriously underperforming. Over 55 million Americans lack access to a workplace retirement plan, 3/4 are worried about their ability to maintain their standard of living in retirement, and poverty among American seniors is nearly twice that of other OECD countries. 
Nearly six in 10 Americans do not own a retirement account. The changing nature of work is likely to intensify these challenges. Innovative strategies involving the private, public, and not-for-profit sectors are therefore required to build an occupational safety net for the 21st century that includes broadbased retirement security.
This paper proposes an approach for expanding retirement plan coverage called portable nonemployer retirement benefits — retirement arrangements that are workplace-based, but not tied to any single job or employer.
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