The longer one lives, the more dollars one will need to have saved. From a planning perspective, you need to prepare for the best -- not the worst. Americans need to manage through retirement -- not to retirement.

The bull market of the last 20 years means Americans are increasingly being asked to make big decisions about big sums of money. It pays to get professional advice, which can make a critical difference in how and when one retires. Relying on genes and luck is just an excuse for inaction.

Americans have historically thought about health care and retirement as separate issues, but they are now converging. Whether you're paying for a hip replacement, a grandson's education or a Mediterranean cruise, at 70 it all comes out of the same pocket. In the coming years, the nexus between health and money will grow even clearer.

They may find that adopting a financial planning practice is a good business move. It puts you in a better position to make recommendations.

From a planning perspective, the community was cheated in having a longer amount of time to plan a response to the CDE.

We are not planning to withdraw. We don't care if it will be extended for a month. We just want a good draft.