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Years ago, actually generations ago, workers knew one thing to be true.  Their retirement was secure.  They received either a pension (defined benefit plan), Social Security, or both.   

We discuss how plans have changed and evolved or devolved depending on your perspective on the plans we have today.  How important it is for people today to manage their own retirement.  In the past, their employer made sure that there were funds available and that the contribution was 100% from the employer.

That only exists in a few places today which we discuss.  Bill Anderson and Dick Anderson who have much experience with retirement plans discuss their own experiences.   

Be sure to visit RetireCoast.com and check out similar articles.

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