Are you counting on Social Security, Medicare and your government-sponsored pension to carry you through retirement?

There is an age-old adage that goes something like this: If you want something done right, you have to do it yourself. Could it also be that if you expect to have money for retirement, you need to plan and save it yourself?

Americans who have put their faith in the state and federal “baskets” of guaranteed financial security are quickly realizing how true this is, primarily as a result of:

  • Dwindling or nonexistent confidence in federal entitlement programs, including Social Security and Medicare.
  • Threats of drastic cuts and changes to pension programs and retiree health care benefits.

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