401(k)

This debt “can hurt their ability to take on long-term financial planning because they are concerned with reaching a zero point,” says one therapist.

Mutual fund costs have fallen to 48 basis points in 2016 from 77 basis points in 2000 for plan participants, according to data from Investment Company Institute.

For some couples, the fact that they have been drifting apart could be masked by the attention devoted to their careers or raising a family.

One strategy includes encouraging clients to wait until the age of 70 to start collecting Social Security benefits.

Whether the husband takes reduced benefits has no impact on the spousal rate, although it could effect potential widow's benefits, according to a Social Security expert.

The $3 billion marriage of robo and radio advice has some expecting more deals and pressure on RIAs to increase focus on scale and deliver a better digital customer experience.

Edelman expects to see a wave of similar RIA-robo pairings, pushed by consumer demand for cheaper, unconflicted online services.

The hybrid advice platform is teaming up with benefits firm Alight Solutions and asset manager AllianceBernstein to bundle its digital tools with retirement portfolios.

Clients should determine the benefits they would receive if they file at age 62, at full retirement age, and after their full retirement age.

More than 25 million workers resigned and left at least one retirement account with their former employer between 2004 and 2013, according to the U.S. Government Accountability Office.