Michael Kitces gets around a lot. With more than 70 appearances a year, this financial expert has heard it all from nearly everyone. With that kind of travel schedule, it's almost impossible not to have your finger on the pulse of the industry.

This was abundantly clear during my recent conversation with him (see "Exclusive Interview with Michael Kitces: DOL Fiduciary Rule 'Pivotal Moment'," FiduciaryNews.com, July 19, 2016). Among the broad terrain we surveyed, there's one corner that stood out to me: The issue of retirement readiness.

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