In an ideal world, everyday Americans would march steadily through life, saving diligently and making rational investment decisions. But as every financial advisor can attest, the reality is considerably messier. Many people save too little, shun strategies that are good for their financial health and fall short of their goals.

Consider the most important goal of all: retirement. Over the years, massive brain and computer power have been thrown

Register or login for access to this item and much more

All Financial Planning content is archived after seven days.

Community members receive:
  • All recent and archived articles
  • Conference offers and updates
  • A full menu of enewsletter options
  • Web seminars, white papers, ebooks

Don't have an account? Register for Free Unlimited Access