New Update: Healthcare Costs Increasing by Over 60% in Some States. Will you be impacted?

CBRE Group Employees Confront the Fear of Running Out of Money in Retirement

Healthcare Provider Update: Healthcare Provider for CBRE Group CBRE Group does not operate its own healthcare facility but partners with various healthcare providers to offer employee health benefits. This typically includes a variety of insurance options that may involve working with national insurers, enabling employees to access a diverse range of healthcare services. Potential Healthcare Cost Increases in 2026 In 2026, healthcare woes are poised to intensify for CBRE Group employees as they may face substantial increases in out-of-pocket costs. The expiration of enhanced federal subsidies from the Affordable Care Act (ACA) could lead to premium hikes that exceed 60% in some states, significantly impacting the affordability of healthcare. Additionally, economic pressures and rising medical expenses are compelling employers, including CBRE, to adjust benefits structures, potentially transferring more healthcare costs to employees. Consequently, employees should proactively review their health plans and consider strategies to mitigate rising expenses in the coming year. Click here to learn more

'To allay long-term financial concerns, CBRE Group employees may benefit from a comprehensive retirement strategy that addresses inflation, health care costs, and tax planning.' – Michael Corgiat, a representative of The Retirement Group, a division of Wealth Enhancement.

'Proactive retirement planning—especially around inflation, health care, and shifting tax policies—can help CBRE Group employees gain clarity and reduce uncertainty in the years leading up to retirement.' – Brent Wolf, a representative of The Retirement Group, a division of Wealth Enhancement.

In this article we will discuss:

Key causes of retirement anxiety, including inflation, health care, and taxes.
Generational differences in money concerns and readiness.
The value of broad retirement planning approaches.

Retirement Anxiety is On The Rise

Employees across industries, including those at CBRE Group, have long worried about how they will fund retirement. These concerns have grown considerably in today’s economy. Nearly two out of three Americans (64%) said they worry more about outliving their resources than they do about dying, according to the Allianz Center for the Future of Retirement’s 2025 Annual Retirement Study. ¹

Main Causes of Retirement-Related Worry

The Allianz study lists several key triggers of these fears. Regarding long-term planning, 54% of respondents said inflation was their top worry. Increases in health care costs, housing, and food prices are still undermining people’s purchasing power.

Concerns around Social Security’s future and tax burdens are also high. 43% said they feared Social Security might not offer adequate support. And another 43% named high taxes as a major issue.

Generational Gaps in Money Stress

Gen X—often balancing care for both kids and aging parents—report the highest worry: 70% versus 66% of millennials and 61% of boomers. Among corporate workers, including those at CBRE Group, this dynamic underlines how family obligations can magnify retirement concerns.

The Gap Between Worry and Action

The survey shows a gap between concern and conversation: just 23% of respondents have talked about outliving their assets with a retirement specialist, down from 28% in 2024. ² That said, Americans are considering several strategies to allay these fears, ranking the following approaches as most helpful:

41% said cutting current spending to funnel more toward retirement 
44% said increasing retirement contributions 
39% said postponing retirement
While increasing contributions to retirement accounts could help address these concerns, barriers remain: daily necessities (63%), credit card debt (40%), mortgage or rent (35%) were top reasons people weren’t contributing more.

The Emotional Side of Retirement Anxiety

Retirement fears influence not just finances, but lifestyle, career choices, and family planning. Worries about independence, dignity, and quality of life often accompany fear of running short on funds.

Health care need are often underestimated too, complicating the equation. Medicare covers many basic services, but long‑term care, home assistance, and uncovered treatments can add large bills—adding uncertainty even for high‑income employees.

Broader Retirement Planning Matters

The Allianz findings emphasize planning well beyond just saving. With people living 25 to 30 years post‑work, a solid planning mindset is critical. As Kelly LaVigne, VP at Allianz Life, noted, “Americans areliving longer… your money needs to go farther. A good plan considers 25 to 30 years of retirement, not just the first ten.” ²

Key components often include:

Income strategies: setting up regular monthly disbursements from assets
Tax planning: reducing tax burdens on withdrawals
Health care planning: factoring in Medicare gaps and long‑term care
Inflation alignment: keeping income responsive to cost increases

Combined, these strategies can help build resilience, confidence, and preparedness even in uncertain times.

In Conclusion

The 2025 Allianz Retirement Study makes it clear: a majority of Americans—and CBRE Group employees among them—see the threat of running out of money as more frightening than death. Rising inflation, health care spending, and uncertainty around Social Security are central drivers. Fewer are taking direct action through planning conversations or boosted contributions.

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Yet there is opportunity. The IRS now permits catch‑up 401(k) contributions of up to $11,250 for those aged 60–63 in 2025—above the standard limit. For many, this is a practical way to fortify resources in those final working years.

A Final Thought

Think of retirement like a long sea voyage. Death may be the storm ahead, but empty savings are the leak that can sink the ship first. According to the Allianz study, 64% of Americans fear that leak more than the storm. For CBRE Group employees, the goal is to build a well-structured plan—with consistent income, planning for health costs, and tax awareness—that can keep the vessel afloat for the long haul.

Sources:

1. Allianz Life Insurance Company of North America, ' How Americans feel about retirement in 2025 ,' by the Allianz Center for the Future of Retirement ^TM , June 2025.

2. businesswire, ' Americans Are More Worried About Running Out of Money Than Death ,' April 22, 2025.

What is the 401(k) plan offered by CBRE Group?

The 401(k) plan at CBRE Group is a retirement savings plan that allows employees to save a portion of their salary before taxes are taken out.

How can employees of CBRE Group enroll in the 401(k) plan?

Employees of CBRE Group can enroll in the 401(k) plan through the company’s benefits portal or by contacting the HR department for assistance.

Does CBRE Group offer a matching contribution for the 401(k) plan?

Yes, CBRE Group offers a matching contribution to the 401(k) plan, which helps employees maximize their retirement savings.

What is the vesting schedule for CBRE Group's 401(k) matching contributions?

The vesting schedule for CBRE Group's matching contributions typically follows a standard schedule, which can be reviewed in the employee handbook or benefits portal.

Can employees of CBRE Group take loans against their 401(k) savings?

Yes, CBRE Group allows employees to take loans against their 401(k) savings, subject to specific terms and conditions outlined in the plan documents.

What investment options are available in CBRE Group's 401(k) plan?

CBRE Group offers a variety of investment options in its 401(k) plan, including mutual funds, target-date funds, and other investment vehicles.

Is there a minimum contribution requirement for the 401(k) plan at CBRE Group?

Yes, CBRE Group may have a minimum contribution requirement for employees wishing to participate in the 401(k) plan, which can be found in the plan documents.

How often can employees change their contribution amounts in CBRE Group's 401(k) plan?

Employees of CBRE Group can typically change their contribution amounts at any time, subject to the plan’s guidelines.

What happens to my 401(k) savings if I leave CBRE Group?

If you leave CBRE Group, you have several options for your 401(k) savings, including rolling it over to another retirement account, cashing it out, or leaving it in the CBRE Group plan if allowed.

Are there any fees associated with CBRE Group's 401(k) plan?

Yes, there may be administrative or investment fees associated with CBRE Group's 401(k) plan, which are disclosed in the plan documents.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.

CBRE Group announced a reduction of its workforce by approximately 5% as part of a restructuring plan aimed at optimizing operations and reducing costs. The company also implemented changes to its benefits package, including adjustments to retirement contributions and healthcare benefits.

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For more information you can reach the plan administrator for CBRE Group at 400 S. Hope St. Los Angeles, CA 90071; or by calling them at +1 213-613-3333.