By Linda Stern

U.S. retirement programs could look different if a grand deficit-cutting bargain is struck in upcoming negotiations.

On Thursday, the powerful Senate Finance Committee will explore “Tax Reform Options: Promoting Retirement Security.” Despite the sleepy title, the hearing will be one of the first outward signs of something that’s been actively discussed privately all over this city in recent weeks and months: How to tweak retirement to make 401(k) plans more efficient, keep Social Security afloat and save some money for the federal Treasury.

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