As employers have migrated from fully-funded pensions to market-driven tools such as 401(k) and IRA plans to support workers' retirement planning, it's now up to you, the employee, to ensure that you have the resources you need when it's time to retire. Experts from Canandaigua National Bank & Trust answer questions about the right time to retire, working "second careers" post-retirement, as well as "how much will I need?" "when do I know if it's time to work with a financial planner?" and "what if I'm caring for loved ones?" They share tips on small things you can do each day to save money towards retirement that could amount to over $40,000 by the time you reach retirement age.