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Among the raft of recent proposals that President Obama announced during his State of the Union address was a plan to help Americans increase their retirement savings. As reported by AP, the proposed package would guarantee all Americans access to a retirement plan through the workplace, increase tax credits to reward retirement savings, and increase regulation of 401(k) plans. The proposal small-business owners will be most interested in is the "automatic IRA." The proposed program would require employers who don't offer a retirement plan to enroll employees in a direct-deposit individual retirement account.
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