Change is the only in life. Greek philosopher Heraclitus coined this phrase but it’s just as true today as it was then. It certainly describes today’s ever-changing retirement landscape: The aging U.S. demographics, lingering questions regarding the long-term viability of Social Security, and the decline of traditional pensions are all changing how individuals think about retirement.

It simply does not mean the same thing today as it did for prior generations. Individuals are shouldering more responsibility than ever before for funding their own retirement and are looking to advisors for guidance.

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