Thinking about retirement is anything but positive and encouraging, even for those in their 20s with a 40-year time horizon for saving. Most planners recommend an absolutely ungodly sum of cash as the entry point to safe and sound years. The government continues to predict the demise of Social Security. Insurers warn about soaring healthcare and long-term care costs. And now, with the market having wiped out $11.1 trillion in market wealth since it peaked in October 2007, retiring is absolutely unrealistic for many.

Ours is not a business of promising easily attainable, happy dreams. If anything, ours is business of instilling fear.

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