Americans are increasingly become aware and responsible for their retirement wealth. Many of us are know that the prospect of living with social security income and a employer pension plan is reduced dramatically and not attractive. More and more pensioners and retirees are less put trust on traditional sources of income; saving for retirement and work part time are seen to be more attractive. But the condition for future pensioners and retirees will be getting worsened. Given the desire to build a large nest egg for retirement was the need to build a replacement income. (more…)