Updated Monday, December 22, 2014 as of 5:01 PM ET

Golden Years? Maybe Not, But Hope Isn't Lost for the Mass Affluent

Matt Griffin likes to talk in analogies as if he's a football coach and his clients, the team owners. The goal, he says, is they'll trust him to make the plays that bring the big win for their retirement-even if that means they're coming from behind with few assets to start, and just 10 to 15 years before they hope to retire.

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