Preparing for retirement at AT&T can look a little different for women than it does for men. Although stereotypes are changing, women are still more likely to serve as caretakers than men are, meaning they may accumulate less income and benefits due to their time absent from the workforce. Research shows that 31% of women are currently or have been caregivers during their careers. Women who are working also tend to put less money aside for retirement. According to one report, women contribute 30% less to their retirement accounts than men.

These numbers may seem overwhelming, but you don’t have to be a statistic. With a little foresight, you can start taking steps now, which may help you in the long run. Here are three steps to consider that may put AT&T employees ahead of the curve.

•  Talk about money.  Nowadays, discussing money is less taboo than it’s been in the past, and it’s crucial to take control of your financial future. If you’re single, consider writing down your retirement goals and keeping them readily accessible. If you have a partner, make sure you are both on the same page regarding your retirement goals. The more comfortably you can talk about your future, the more confident you may be to make important decisions when they come up.
•  Be proactive about your retirement after AT&T.  Do you have clear, defined goals for what you want your retirement to look like? And do you know where your AT&T retirement accounts stand today? Being proactive with your AT&T retirement accounts allows you to create a goal-oriented roadmap. It may also help to adapt when necessary and continue their journey regardless of things like relationship status or market fluctuations.

• Retirement may look a little different for women, but with the right strategies – and support – you’ll be able to live the retirement you’ve always dreamed of.

•  Transamerica.com, 2026

•  GAO.gov, 2026

Before finalizing any estate plan, it is worth examining how AT&T's employer-sponsored benefits fit into the broader picture. According to publicly available information, AT&T maintains an active defined benefit pension plan, which provides retirement income based on factors such as years of service and compensation history. AT&T also offers retiree healthcare benefits to eligible employees, which can provide meaningful coverage for those who retire before reaching Medicare eligibility at age 65. Because the specifics of your pension formula, vesting schedule, and benefit eligibility depend on your individual employment history and plan documents, We encourage you to review your Summary Plan Description (SPD) or speak with AT&T's HR or benefits team for the most current details.