As fall approaches, Thomas Clough, the president of New York Life Benefit Services, is excitedly readying a team of marketers to walk into office buildings and talk to workers of all ages and all incomes about their 401(k) plans.

The group of executives will spend the autumn months preparing employees for the implementation of the tax package that was signed into law earlier this summer and that includes lesser-known provisions that will affect employees' retirement plans.

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