Secure Choice

There used to be an unwritten promise in the American workplace: If you worked hard, you could count on a secure retirement at the end of your career. Individuals relied on a three-legged stool built from Social Security, pensions, and personal savings to help them live comfortably after a lifetime of work. The Great Recession, housing crisis, and the almost total disappearance of defined benefit pension plans in the private sector have left workers unprepared for retirement.

If you have access to a retirement plan you are 15 times more likely to save for retirement. Yet over half of New Jersey private sector workers do not have access to a workplace retirement plan. And your access to a workplace retirement plan varies greatly based on who you are and where you work. Women, people of color, and employees of small businesses are more likely to be left out of a secure retirement. Among full-time employees, less than half of American-American, Latino and low-income workers have access to an employer provided retirement plans. Social Security and Medicare form a critical source of income in our retirement years, but we all know that this cannot be the only savings plan for retirees.  On average, retired New Jersey residents only receive about $1377 a month from Social Security, and for about a quarter of recipients, Social Security is their only income.  We all know that is not enough.

Now is the time for New Jersey to lead the way out of this looming retirement security crisis. Let’s take a step forward to help level the playing field by offering all of New Jersey’s workers an easy way to save for retirement. With all of the other financial pressures facing working New Jerseyans, we need a simple structure that takes the guesswork out of saving for retirement. The creation of an automatic, portable, and secure way for New Jerseyans to save the money they earn will help keep seniors from living in poverty.  Secure Choice would provide NJ workers access to individualized savings tools, secure investments, and financial education and guidance.

Giving every working New Jerseyan an easy way to save for retirement can provide security for all New Jerseyans – this is the right move for New Jersey’s workers, small business owners and communities.  That’s why the New Jersey Citizen Action Education Fund is educating policymakers on the need for policies that will help make retirement more secure for millions of New Jerseyans, policies like A4275, the New Jersey Secure Choice Savings Program Act.



New Jersey Citizen Action Education Fund is monitoring the Coronavirus situation and following the guidance set forth by the Centers for Disease Control and Prevention, the World Health Organization and various US state and local government entities. Our first priority is the health and well-being of those individuals with whom we work and serve. Therefore, effective immediately our staff will be working remotely and will provide services over the phone. To find a complete list of our staff, programs and services, click here.

For loan counseling and financial coaching clients your application process will remain the same. One-on-one sessions will be provided via telephone and video conferencing. For questions about healthcare enrollment or the Census, call (973) 643-8800, extension 210. For any other information please visit our website at for updates or leave a message in the general mailbox and it will be forwarded to the appropriate staff member. Thank you and stay well!

New Jersey Citizen Action Education Fund (NJCAEF)



New Jersey Citizen Action Education Fund está monitoreando la situación del Coronavirus y siguiendo la guía establecida por los Centros para el Control y la Prevención de Enfermedades, la Organización Mundial de la Salud y varias entidades gubernamentales estatales y locales de los Estados Unidos. Nuestra prioridad es la salud y el bienestar de las personas con quienes trabajamos y servimos. Por lo tanto, con efectividad inmediata, nuestro personal trabajará de manera remota y brindará servicios por teléfono. Para encontrar una lista completa de nuestro personal, programas y servicios, haga clic acquí.  

Para los clientes de asesoría de préstamos y asesoramiento financiero, su proceso de solicitud seguirá siendo el mismo. Se proporcionarán sesiones individuales por teléfono y videoconferencia. Para preguntas sobre la inscripción de atención médica o el Censo, llame al (973) 643-8800, y marque la extensión 210. Para cualquier otra información, visite nuestro sitio web en para actualizaciones o para dejar un mensaje en el buzón general y será enviado al personal correspondiente.

Gracias y manténgase seguro!

New Jersey Citizen Action Education Fund (NJCAEF)