By Jason Fichtner

WhitePaper Overview

With the U.S. experiencing the greatest retirement surge in its history, the country’s public and private sector retirement systems have become obsolete. The old metaphor of the three-legged stool of retirement planning — employer pensions, personal savings and Social Security — no longer holds. Fewer private-sector employers offer a traditional defined-pension retirement plan providing protected income that is guaranteed throughout retirement, meaning more Americans enter retirement with Social Security as their only means of protected income, leaving many exposed to financial insecurity.