In addition to all the expenses employees have to juggle in their lives, retirement funds are the ones that create the most stress. More and more people are delaying retirement because they fear they won't be able to support themselves during retirement. With increasing life expectancy and health care costs, retirement would jeopardize life stability. The increase in the elderly population in the workforce also means that young college graduates will struggle to find jobs. In this note I have presented some suggestions on how we can change to fit into the pensions sector in the future. The cause of the weak retirement fund can be attributed to lack of planning. Many people rely on their Social Security for retirement. Every pay pot shows that the government taxes their wages. This encourages them not to save earlier in life; it is often almost too late by the time they start saving. To address the lack of preparation, JP Morgan can hold interviews at different companies, explaining to employees ways to plan for retirement. Although this plan may not be feasible...