Tens of millions of Americans are retired, and tens of millions more will be retiring in the years ahead. In the wake of economic uncertainty, many people have concerns about the future. You may be worried about whether you will have enough retirement income, and what measures it will take to get it.

Today’s volatile financial landscape brings new challenges. We face new hurdles which are far different than what our parents and grandparents faced. Gone are the days of when you would receive a lifetime pension and health benefits after working at the same company for many years. Now it falls completely on us to map out our futures – and then to stick to the plan.

Unfortunately, some people make retirement decisions without fully understanding all of their options. It could take years before the negative effects of these choices are clear. What otherwise appears to be good decisions may actually diminish a retiree’s finances. It impacts their ability to cover basic living, healthcare, and long-term care needs, which affects their quality of life.

Having worked hard for many years, you look forward to a comfortable retirement lifestyle. These times are uncharted territory. Nothing is certain. We have prepared this report to give you some semblance of greater retirement certainty. Its purpose is to provide sound, objective information for your own journey.

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