Most people lean heavily on Social Security during retirement, but for advisors able to position themselves as retirement experts, the growth in 401(k)s could prove a windfall as people who currently work start to retire, according to Ken McDonnell, director of the American Savings Education Council at the Employee Benefit Research Institute.

At 40%, Social Security makes up the bulk of older people’s income, according to a new report from EBRI based on the latest U.S. Census Bureau data. Pensions and annuities make up just 20% of income for people age 65 and older; earnings and wages make up 26%; and income from assets accounts for 13%.

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