Paul K. Stetter Jr. knows his clients' biggest fear is outliving their savings. Yet, the pragmatic Ephrata, Pa.-based financial advisor doesn't mince words when telling investors how much they'll need for retirement. Helping clients stay focused on saving is how the first vice president at Fulton Financial Advisors ensures he meets clients' best interest, as well as their retirement needs.

Where do you see clients needing the most help? PS: My clients' biggest issue is how much they need to sustain their standard of living into retirement. We've all seen changes in the last few years, and everyone wants to know if they can still get to a point where they can retire.

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