Third-Party Confirmation Articles
Nearly ten years after Compass Institute highlighted the brewing trouble for future retirees and the introduction of its Adaptive Asset Allocation™ strategy for active retirement account management, others have realized and have begun discussing these very real and disconcerting issues facing retirees.

Provided below are independent Media Links supporting the Retirement Income Security crisis facing our country. (Click here for an index of articles by source.)

The Retirement Income Security Crisis

The vast majority of American workers have not quantified a retirement goal that is specific enough to be measured.

• Retirement Goal Setting

And for most of those that have defined a goal, they have grossly under-saved and/or underestimated the amount of money required to live out an ever-increasing lifespan in retirement without running out of money and/or having to significantly reduce their standard of living. For them, their "golden" years may feel more like "copper" or "tin".

• Retirement Planning
• Impact on Retirement Income Security

These realities are hitting home as Americans are reaching retirement age in record numbers. Many "boomers" are now coming face-to-face with the reality that after a lifetime of saving and planning, they are going to need to reassess when, how or if they will be able to retire. Those still in the workforce are spending an increasing amount of time worrying about these very real issues for their future.

• Concerns About Retirement
• Life During Retirement

A double-digit investment return is needed by most Americans to amass enough money to have "Retirement Income Security," which we define as being able to have a quality retirement without ever having to worry about running out of money. However, traditional asset allocation retirement savings strategies, promoting a constant blend of stock and fixed income, (Life Cycle, Life Style, Balanced, Target Date funds) are unable to generate returns greater than 6-8% when you consider the historical returns of their components.

• Retirement Strategy
• Investment Analysis/Advice

Employers are not immune from the effects of employee's failure to achieve RIS. Many have stepped up to provide assistance to their workers, and now must realize that assistance without results is a fatal flaw.

• Fiduciary Responsibility
• Education and Advice are Important

Impact on Retirement Income Security

• Americans unprepared and fearful of retirement
   
• Nearly half of all workers have less than $10K in savings
   
• Boomers can't afford another market downturn
   
• 92 percent of baby boomers believe in a retirement crisis
   
• Retirees' pensions slashed
   
• Living to 100? That Will Be $3.5M
   
• Your health care costs in retirement - $240,000?
   
• Survey shows advisers must factor family support into retirement needs
   
• Workers face higher health care costs
   
• The Cost of Living Longer -- Much Longer
   
• Families of All Types Have Retirement Savings Concerns

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Retirement Goal Setting

• More U.S. workers delaying retirement
   
• Four in 10 don’t ever expect to afford retirement
   
• Why You'll Work Through Your Retirement
   
• The link between employee stress and financial wellness
   
• Retirement's a Myth
   
• A ‘perfect storm’ for retirement readiness
   
• The Problem With Living Too Long
   
• Study: Most Americans have no financial plan for the unexpected
   
• Will You Outlive Your Assets?

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Retirement Planning

• Poor money management at root of most financial stress
   
• Retiring Boomers Find 401(k) Plans Fall Short

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Concerns About Retirement

• America's Retirement System Is Failing Us: Economist
   
• Retirement Worries Grow; 30-Somethings Most Uneasy
   
• 92 percent of baby boomers believe in a retirement crisis
   
• Retirement Dreams Fade as Home Sales Slide Further
   
• One-third of retirees will continue to work
   
• Retirement confidence sinks to all-time low
   
• Study: Almost 40 percent of workers may never retire
   
• Boomers find 401k plans fall short
   
• Fears about Retirement Hit a Record High
   
• Boomers May Go Bust As 401(K)S Fall Short In Retirement
   
• Current conditions have affluent investors worried about retirement

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Investment Analysis/Advice

• Employers anticipate greater demand for advice of 401(k) plans
   
• Don't Be A Prisoner Of Retirement-Date Funds
   
• How Conservative Investing Threatens Retirement
   
• JP Morgan: Americans can't turn savings into income
   
• Funding gap doubles for US corporate pensions
   
• Special Report: Best and Worst State Funded Pensions
   
• EBRI: Delaying retirement won't guarantee affordability
   
• Middle-Income boomers vastly underserved
   
• Default retirement option not always a good thing

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Life During Retirement

• Middle-income Boomers stress over health in retirement
   
• When working becomes the new retirement plan
   
• Society of Actuaries' Risk Report Highlights Impact of Inflation on Retirement Planning

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Fiduciary Responsibility

• Writing a new fiduciary formula
   
• Labor strips workers of financial guidance
   
• ERISA Class-Action Suits Shape U.S. Retirement Future

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Retirement Strategy

• Adaptive Asset Allocation: A True Revolution In Portfolio Management
   
• Scary study shows 401(k) matching doesn’t work
   
• Target Date Funds Under Scrutiny
   
• A System For Market Timing
   
• Making Target-Date Funds Live Up to Their Mission
   
• Bear Mauls 'Safe' Target Funds, Too

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Education and Advice are Important

• Workplace education can help employees address money challenges and create a sense of �financial wellness'
   
• 401(k) study: Help can improve performance by 3 pct.
   
• Six steps to the perfect 401(k)

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