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How will ordinary workers retire in a world that no longer offers traditional pensions for most? How will they decide if they have enough savings to afford retirement? And how can they generate reliable, lifetime retirement income? 

These questions pose serious challenges for older workers approaching their retirement years -- especially now because the switch from traditional pension plans to 401(k) plans has placed a serious responsibility on them. They need to be their own investment managers and actuaries, and they have to decide how to best deploy their savings in retirement. It should surprise nobody that most workers don't have the skills needed to successfully answer these questions.

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