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

Charting Fiserv Retirement Success: Five Essential Reads

Healthcare Provider Update: Healthcare Provider for Fiserv: Fiserv is engaging in the healthcare sector through its Clover platform, which is set to launch PracticePay in early 2026. This service aims to cater specifically to small and medium-sized healthcare providers, partnering with Rectangle Health to offer tailored payment solutions that comply with healthcare regulations. Potential Healthcare Cost Increases in 2026: As 2026 approaches, healthcare costs are expected to surge sharply, driven by multiple economic pressures. Insurers anticipate an average increase of 7.5% to 8.5% in individual and group medical costs, attributed to rising medical service expenses, labor shortages, and the potential termination of enhanced federal premium subsidies. Without intervention, many individuals enrolled in ACA plans may face premium hikes exceeding 75%, significantly affecting their out-of-pocket healthcare expenses and access to affordable coverage as we enter this challenging financial landscape. Click here to learn more

“By integrating disciplined market strategies, proactive healthspan practices, and a clear sense of purpose, Fiserv employees can create a retirement plan resilient enough to weather uncertainty and enrich their post-career life” – Paul Bergeron, a representative of The Retirement Group, a division of Wealth Enhancement.

“Fiserv employees who blend disciplined saving approaches with proactive healthspan management are poised to achieve both financial confidence and improved well-being” – Tyson Mavar, a representative of The Retirement Group, a division of Wealth Enhancement.

In this article we will discuss:

The challenges of market volatility, rising health care costs, and potential entitlement changes on retirement planning.
Five must-read books offering strategies on investing, longevity, benefit planning, and lifestyle alignment.
How to integrate financial discipline, healthspan management, and purposeful living for a fulfilling retirement.

For those who are saving for the future, these are uncertain times. Concerns about whether current nest egg tactics will be adequate have increased due to volatile markets, growing health care expenses, and continuous talks about possible reductions to government entitlements. Twenty-five percent of adults with retirement savings have only saved one year’s worth of their current income for the years ahead, according to research by Northwestern Mutual. ¹

The financial or lifestyle planning book is one tool that is frequently overlooked during times of market volatility. In addition to providing timeless truths, a well-chosen title can offer readers practical advice, serve as a reminder of important ideas, and present fresh approaches to decision-making. Senior advisors at Wealth Enhancement—Patrick Ray, Tyson Mavar, and Brent Wolf—have chosen the following five books to aid Fiserv professionals in navigating the current environment because of their blend of academic rigor and usefulness.

Mastering the Market Cycle by Howard Marks explores the psychological factors that influence cyclical changes in asset values. According to Marks, investor sentiment—which fluctuates between excitement and fear—often determines the timing and size of market movements, even when underlying value is important. “Fear can take over; it’s to be expected during the lifetime of any long-term investor,” says Brent Wolf. Long-term objectives can be safeguarded by knowing when and why to rebalance or de-risk a portfolio, even though market timing is still difficult to anticipate. Fiserv employees can benefit from the clear distinction this book makes between purely emotional reactions and strategic adjustments, essential for remaining disciplined when prices change.

Winning the Loser’s Game by Charles D. Ellis is sometimes written off as outdated, but it still holds valuable lessons. Tyson Mavar praises it as an “unsung classic,” highlighting how it reinforces core investing principles that have stood the test of time. Ellis promotes long-term dedication, diversification, and steering clear of expensive practices like market timing. His strongest endorsement is for passive investing with inexpensive index funds, which can shield investors from transient noise. For Fiserv staff seeking to focus on techniques that boost compounding power and lessen the drag of fees and emotional trading, this book offers a timeless roadmap.

Outlive: The Art and Science of Living a Long Life by Dr. Peter Attia and Bill Gifford reminds readers that physical health directly impacts retirement readiness. “What good is a healthy portfolio if your body can’t keep up?” asks Patrick Ray. Drawing on clinical data and epidemiological studies, the authors provide evidence-based suggestions for increasing lifespan and healthspan—strength training, mobility exercises, optimal sleep, and targeted nutrition. Actionable procedures for evaluating metabolic health, increasing muscle resilience, and reducing chronic disease risk can help Fiserv team members better match longevity forecasts with retirement funding plans and lower the likelihood of incapacitating health events.

Cookin’ Up Your Retirement Plan by Marcia MacDonald Mantell approaches Medicare and Social Security elections in a conversational, kitchen-table manner. Tyson Mavar also recommends her sequels— What’s the Deal With Women’s Social Security? and Developing Your Medicare Recipe —for anyone seeking guidance on making the most of benefits. Mantell breaks down complex regulations into manageable chunks, reducing the possibility of costly errors. While these books don’t directly address market volatility, they reinforce that successful retirement from companies like Fiserv depends on more than just investment returns; it also requires well-informed decisions and careful lifestyle alignment.

The Good Life by Dr. Robert Waldinger and Marc Schulz shifts the emphasis from balance sheets to life satisfaction. Based on an 80-year Harvard study of adult development, it finds that strong connections, meaningful hobbies, and community involvement often indicate long-term happiness more powerfully than financial prosperity. According to Patrick Ray, this book serves as an essential reminder for Fiserv retirees that money is just one component of a fulfilling retirement. Cultivating purpose, social ties, and enriching interests can yield non-linear returns unmatched by any portfolio.

When combined, these five books offer complementary perspectives on investment methodology, market behavior, healthspan management, and the socioeconomic factors influencing retirement decision-making. Each title has been recommended by seasoned advisors who have guided clients through both bull and bear markets, offering Fiserv employees lessons on purpose, cost-effective investing, preventive health care, efficient benefit management, and emotional discipline.

And here's one bonus publication: With more than 1.5 million copies in circulation, Morgan Housel’s The Psychology of Money was placed #1 on BookWeb’s Indie Personal Finance Bestseller List in April 2025, reflecting growing demand for behavior-focused investment insights that supplement conventional planning techniques.

Discover five highly regarded retirement planning books that provide professional insights on market cycles, passive index fund strategies, longevity optimization, Social Security elections, and Medicare planning—equipping Fiserv pre-retirees and retirees with tried-and-true advice for long-term retirement resilience and portfolio fortitude.

Consider the process of preparing a solid ocean vessel for a long journey: understanding the market cycle gives you the compass you need to navigate choppy waters; Winning the Loser’s Game supplies the provisions and medical kit to endure the journey; Outlive strengthens the hull against health risks; Cookin’ Up Your Retirement Plan equips your lifeboats with Social Security and Medicare expertise; and The Good Life charts rewarding ports of call—helping you sail comfortably through both calm seas and storms for Fiserv professionals.

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Articles you may find interesting:

Sources:

1. Northwestern Mutual. Planning & Progress Study 2025 . 14 Apr. 2025, pp. 1–2.

Other Resources:

1. Baker, Brian F. “ Principles of Investing .” Marriott Alumni Magazine , BYU Marriott School, June 2025, pp. 9–10.

2. Kennedy, Robert. “ 2024 Retiree Health Care Cost Estimate .” Fidelity Investments , 8 Aug. 2024, pp. 1–2.

3. LeValley, Donna. “ Five Changes to Social Security in 2025 .” Kiplinger , 3 Jan. 2025, pp. 1–2.

What is the primary purpose of Fiserv's 401(k) plan?

The primary purpose of Fiserv's 401(k) plan is to help employees save for retirement by providing a tax-advantaged savings vehicle.

How can Fiserv employees enroll in the 401(k) plan?

Fiserv employees can enroll in the 401(k) plan through the company’s HR portal or by contacting the HR department for assistance.

Does Fiserv offer matching contributions to its 401(k) plan?

Yes, Fiserv offers matching contributions to its 401(k) plan, which helps employees increase their retirement savings.

What types of investment options are available in Fiserv's 401(k) plan?

Fiserv's 401(k) plan typically offers a range of investment options, including mutual funds, target-date funds, and company stock.

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

The vesting schedule for Fiserv's 401(k) matching contributions may vary, so employees should refer to the plan documents for specific details.

Can Fiserv employees take loans against their 401(k) savings?

Yes, Fiserv employees may have the option to take loans against their 401(k) savings, subject to the plan's terms and conditions.

What is the minimum contribution percentage for Fiserv employees participating in the 401(k) plan?

The minimum contribution percentage for Fiserv employees is typically set at 1%, but employees are encouraged to contribute more to maximize their savings.

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

Yes, there may be fees associated with Fiserv's 401(k) plan, including administrative fees and investment management fees, which are disclosed in the plan documents.

How often can Fiserv employees change their contribution amounts?

Fiserv employees can change their contribution amounts at any time, subject to the plan's guidelines.

What happens to Fiserv employees' 401(k) savings if they leave the company?

If Fiserv employees leave the company, they can roll over their 401(k) savings to another retirement account, withdraw the funds, or leave the savings in the Fiserv plan if allowed.

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

Fiserv offers a comprehensive retirement program for its employees, which includes both a 401(k) plan and a pension plan. The 401(k) plan allows employees to contribute on a pre-tax basis, or on a post-tax basis through the Roth 401(k) feature. Fiserv matches 100% of the first 1% of an employee's contribution, and 50% of the next 4% of eligible compensation, providing a potential match up to 3% (Working at Fiserv, Inc.). This 401(k) plan, named the Fiserv Employee Savings Plan, is administered through Vanguard (Working at Fiserv, Inc.). In addition to the 401(k), Fiserv also offers a defined benefit pension plan for long-serving employees, depending on their hire date (Working at Fiserv, Inc.). This plan typically includes employees who were part of First Data Corporation before its acquisition by Fiserv. The pension plan's eligibility criteria involve a combination of years of service and age qualification; typically, employees need at least five years of service and must be of retirement age, which is usually defined as 65 (Working at Fiserv, Inc.). However, specific details regarding the pension formula and years of service requirements were not explicitly stated on the documents accessed.

Restructuring and Layoffs: In early 2024, Fiserv announced a significant restructuring plan, which included a workforce reduction affecting approximately 5% of its global employees. This move was part of a broader effort to streamline operations and focus on core business areas amid challenging economic conditions. The decision to reduce the workforce reflects the company's strategy to adapt to shifting market demands and improve operational efficiency.

Fiserv provides stock options and RSUs as part of its compensation package. Fiserv issues stock options under the acronym SO and RSUs under the acronym RSU. In 2022, 2023, and 2024, Fiserv employees, especially executives and key personnel, are eligible for these benefits. The specifics are detailed in the company's compensation sections of annual reports.

Fiserv Health Benefits Overview 1. Official Fiserv Website: Health Insurance: Fiserv provides a range of health insurance options, including medical, dental, and vision plans. These options include PPO (Preferred Provider Organization) and HDHP (High Deductible Health Plan) plans. Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs): Available for employees to save on out-of-pocket expenses. Wellness Programs: Includes resources for mental health support, fitness programs, and preventive health services. 2. Glassdoor: Employee Reviews: Employees appreciate the comprehensive benefits package which includes a range of health insurance plans and wellness incentives. Some have noted that while the benefits are robust, they may come with high deductibles depending on the plan chosen. 3. Indeed: Health Benefits: Reviews indicate that Fiserv’s health benefits are competitive, offering multiple plan choices with various coverage levels. Employees also mention access to telemedicine services as a plus. 4. LinkedIn: Benefits Overview: Includes detailed information on Fiserv’s health benefits such as medical, dental, and vision plans. Also highlights their emphasis on work-life balance and employee wellness programs.