A new financial tool can help employers and advisors understand where people are and where they want to go – and then meet them there.

This income-driven repayment plan for student loans could cut some borrowers' payments in half or erase all remaining debt after 10 years for those who took out $12,000 or less.

"Workers know what they want and recruiters are braced for change -- and both are putting plans in place to seize the opportunity," the report concludes .

Although the new law encompasses 77 individual sections related to retirement plans, the most relevant ones for the coming year include required minimum distributions, hardship withdrawals and student debt provisions.

The ruling comes at a time when arbitration wins for brokers seeking redress for alleged U5 defamation, with or without monetary damages awarded, are increasing.

The proposed rule seeks to balance the rights of both providers and patients, HHS Secretary Xavier Becerra says.

"People with health insurance coverage provided by employers generally think they are protected, but our findings show that health-related benefits have been eroding over time," says José A. Pagán.

United has pocketed billions of dollars in "savings" fees since it began the initiative in 2016, according to the complaint.