--- title: RCH Consolidation Corner | Retirement Income description: Retirement Income | Keep up to date on all of the latest industry news with RCH1 --- [![Retirement Clearinghouse Logo](https://blog.rch1.com/hs-fs/hubfs/raw_assets/public/Retirement_Clearinghouse_May2022/images/logo.png?width=1000&height=648&name=logo.png "Retirement Clearinghouse Logo")](https://rch1.com/) [Privacy Policy](https://securities.rch1.com/common/PrivacyStatement.pdf) [Sponsors/Service Providers](https://rch1.com/plan-sponsors) [Individuals](https://rch1.com/individuals) [Login](https://rch1.com/#) - [Home](https://rch1.com/home-page) - [Individuals](https://rch1.com/individuals) - [Individuals Home](https://rch1.com/individuals/individuals-home) - [Who is RCH?](https://rch1.com/individuals/who-is-rch) - [Why Does RCH Have My Retirement Savings?](https://rch1.com/individuals/why-does-rch-have-my-retirement-funds) - [Manage Your RCH IRA Account](https://rch1.com/individuals/manage-your-rch-ira-account) - [Cash Out Calculator](https://rch1.com/individuals/cash-out-calculator) - 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[Roll-In](https://blog.rch1.com/blog/topic/roll-in) - [Safe Harbor IRA](https://blog.rch1.com/blog/topic/safe-harbor-ira) - [Saver's Match](https://blog.rch1.com/blog/topic/savers-match) - [Security](https://blog.rch1.com/blog/topic/security) - [Small Accounts](https://blog.rch1.com/blog/topic/small-accounts) - [Stale Dated Checks](https://blog.rch1.com/blog/topic/stale-dated-checks) - [Synthetic Tenure](https://blog.rch1.com/blog/topic/synthetic-tenure) - [Uncashed Check Services](https://blog.rch1.com/blog/topic/uncashed-check-services) - [Uncashed Distribution Checks](https://blog.rch1.com/blog/topic/uncashed-distribution-checks) - [Video](https://blog.rch1.com/blog/topic/video) - [Webcast](https://blog.rch1.com/blog/topic/webcast) - [What is a Missing Participant?](https://blog.rch1.com/blog/topic/what-is-a-missing-participant) [Tweets by @RCHConsolidate](https://twitter.com/RCHConsolidate) Posts about # Retirement Income ### Consolidation Corner Blog Consolidation Corner is the Retirement Clearinghouse (RCH) blog, and features the latest articles and bylines from our executives, addressing important retirement savings portability topics. --- Oct 28 2026 ## [The Future of Retirement Savings Portability Requires More Than Automation](https://blog.rch1.com/blog/the-future-of-retirement-savings-portability-requires-more-than-automation) ![The Future of Retirement Portabilityv3](https://blog.rch1.com/hs-fs/hubfs/The%20Future%20of%20Retirement%20Portabilityv3.png?width=200&height=133&name=The%20Future%20of%20Retirement%20Portabilityv3.png)The retirement industry appears to be reaching an important consensus: the rollover process must become more automated, more interoperable, and less dependent on participant action. [Recent responses](https://www.regulations.gov/document/IRS-2026-0100-0001/comment) to [IRS Notice 2026-49](https://downloads.regulations.gov/IRS-2026-0100-0001/content.pdf) reinforced a theme that has been building for years across the defined contribution marketplace. Participants change jobs more frequently than ever, [retirement accounts become fragmented](https://rch1.com/blog/a-step-forward-but-will-standardized-forms-fix-retirement-system-fragmentation), and too many Americans cash out or lose track of retirement savings as they move through the workforce. [Read More](https://blog.rch1.com/blog/the-future-of-retirement-savings-portability-requires-more-than-automation) Oct 12 2026 ## [PBGC Report Points to a Retirement System Solution that Already Exists](https://blog.rch1.com/blog/pbgc-report-points-to-a-retirement-system-solution-that-already-exists) ![PBGC Report Points to Private Sector - Inline](https://blog.rch1.com/hs-fs/hubfs/PBGC%20Report%20Points%20to%20Private%20Sector%20-%20Inline.png?width=200&height=153&name=PBGC%20Report%20Points%20to%20Private%20Sector%20-%20Inline.png)The Pension Benefit Guaranty Corporation’s September 2026 report, [Feasibility of Expanding PBGC’s Missing Participants Program](https://www.pbgc.gov/sites/default/files/documents/report-feasibility-expanding-missing-participants-program.pdf), deserves considerable praise for both the rigor of its analysis and the clarity of its conclusions. [Read More](https://blog.rch1.com/blog/pbgc-report-points-to-a-retirement-system-solution-that-already-exists) Mar 03 2025 ## [Here’s to the Future “Graduates” of Auto Portability](https://blog.rch1.com/blog/heres-to-the-future-graduates-of-auto-portability) ![AP Graduatesv2](https://blog.rch1.com/hs-fs/hubfs/AP%20Graduatesv2.jpg?width=200&height=144&name=AP%20Graduatesv2.jpg)[Auto portability](https://psn1.com/learning-center/about-auto-portability), delivered via the [Portability Services Network (PSN)](https://psn1.com/), is revolutionizing retirement savings preservation by addressing the critical challenges of cashout leakage and account fragmentation.   [Read More](https://blog.rch1.com/blog/heres-to-the-future-graduates-of-auto-portability) Aug 31 2022 ## [Every Dollar Saved for Retirement Matters -- So Save More By Avoiding Cash-Outs & Consolidating 401(k) Accounts](https://blog.rch1.com/blog/every-dollar-saved-for-retirement-matters-so-save-more-by-avoiding-cash-outs-consolidating-401k-accounts) ![ebnimage](https://blog.rch1.com/hs-fs/hubfs/ebnimage.jpg?width=200&name=ebnimage.jpg)Retired Baby Boomers who are saving for retirement through defined contribution plans like 401(k)s are drawing down their savings faster than their counterparts in previous generations who had pensions and other defined benefit plans, according to [recent industry research](https://www.financial-planning.com/news/boomers-cash-out-401ks-faster-than-predecessors-did-pensions). And on top of that, Baby Boomers who may be relying solely on their defined contribution plans may wind up with less savings for retirement than their counterparts who waited longer to withdraw savings from their defined benefit plans—and could, therefore, outlive their nest eggs. [Read More](https://blog.rch1.com/blog/every-dollar-saved-for-retirement-matters-so-save-more-by-avoiding-cash-outs-consolidating-401k-accounts) Apr 28 2020 ## [Let’s Extend the Spirit of the CARES Act to Automatic Rollover IRAs](https://blog.rch1.com/blog/lets-extend-the-spirit-of-the-cares-act-to-automatic-rollover-iras) ![CARESactButton2-01](https://blog.rch1.com/hs-fs/hubfs/CARESactButton2-01.png?width=200&name=CARESactButton2-01.png)America is a fundamentally caring country, as reflected in the collective actions of its individuals, businesses and policymakers. In the midst of the COVID-19 crisis, no policy reflects this caring spirit more than the aptly-named CARES Act, which, among other things, temporarily allows retirement savers hard-hit by the COVID-19 crisis to tap their qualified retirement savings while avoiding the punitive, 10% early-withdrawal penalty. [Read More](https://blog.rch1.com/blog/lets-extend-the-spirit-of-the-cares-act-to-automatic-rollover-iras) Mar 20 2020 ## [How Does Auto Portability Work? Watch the Video.](https://blog.rch1.com/blog/how-does-auto-portability-work-watch-the-video) [![How AP Works Blog Image](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/How%20AP%20Works%20Blog%20Image.png?width=200&name=How%20AP%20Works%20Blog%20Image.png)](https://youtu.be/Y_XkgyPr7Gk)Looking for a quick primer on how [auto portability](https://rch1.com/auto-portability) works? Watch the video below, which walks you through the four-step process, including: 1\. Worker changes jobs 2\. Locate new worker's account 3\. Match data 4\. Savings follow worker [Read More](https://blog.rch1.com/blog/how-does-auto-portability-work-watch-the-video) Mar 11 2019 ## [How Auto Portability Serves Participants’ Best Interests - Part 2: An Enhanced Standard of Participant Care](https://blog.rch1.com/blog/how-auto-portability-serves-participants-best-interests-part-2) ![AP\_definition\_best\_interests](https://blog.rch1.com/hs-fs/hubfs/AP_definition_best_interests.png?width=200&name=AP_definition_best_interests.png)In this series, I identify five key reasons why an [auto portability](https://rch1.com/auto-portability) program serves the best interests of plan participants. Previously, in [Part 1](https://blog.rch1.com/blog/how-auto-portability-serves-participants-best-interests-part-1-dramatically-improved-participant-outcomes), I examined the [dramatically improved participant outcomes](https://blog.rch1.com/blog/how-auto-portability-serves-participants-best-interests-part-1-dramatically-improved-participant-outcomes) that will result from a program of auto portability. In Part 2, I describe how auto portability, by enhancing and extending automatic rollover programs, represents an enhanced standard of care for participants. [Read More](https://blog.rch1.com/blog/how-auto-portability-serves-participants-best-interests-part-2) Feb 22 2019 ## [How Auto Portability Serves Participants’ Best Interests, Part 1: Dramatically Improved Participant Outcomes](https://blog.rch1.com/blog/how-auto-portability-serves-participants-best-interests-part-1-dramatically-improved-participant-outcomes) ![AP\_definition\_best\_interests](https://blog.rch1.com/hs-fs/hubfs/AP_definition_best_interests.png?width=200&name=AP_definition_best_interests.png)Plan sponsors considering the adoption of [auto portability](https://rch1.com/auto-portability) must determine that, by participating in the auto portability program, they are acting prudently and solely in the interests of their plan’s participants and beneficiaries. [Read More](https://blog.rch1.com/blog/how-auto-portability-serves-participants-best-interests-part-1-dramatically-improved-participant-outcomes) Jun 15 2018 ## [The Missing Piece in 401(k) Retirement Income: Consolidation](https://blog.rch1.com/blog/the-missing-piece-in-retirement-income) ![Missing piece in retirement income: consolidation](https://blog.rch1.com/hs-fs/hubfs/Onedolar.png?width=200&name=Onedolar.png "Missing piece in retirement income: consolidation") As Baby Boomers begin to retire in record numbers, they’re shifting their attention from saving for retirement to the process of decumulation, or converting their 401(k) savings into retirement income. For many Boomers, their current-employer’s 401(k) plan wants to come to the rescue, offering them a dizzying array of retirement income solutions. Unfortunately, as these solutions begin to encounter reality, Boomers are finding that one simple, yet critical element is missing that prevents them from working as intended – the consolidation of their retirement savings. 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