Are you prepared?  On Oct. 8, New York officially launched the  New York Secure Choice Savings Program.  It’s a state-sponsored, automatic-enrollment Roth IRA program designed to expand retirement savings access for millions of private-sector employees. Participation will soon be mandatory for many employers without an existing workplace retirement plan.  Who needs to comply  Businesses that meet all the following criteria must register for the program and participate:  have 10 or more employees in New York during the previous calendar year;  have been in business for at least two years; and  do not currently offer a retirement plan.  Key deadlines  Employers will receive notice from the state with registration instructions, but 2026 deadlines will come quickly:  30+ employees: March 18  15 to 29 employees: May 15...