There’s a common misconception about how people plan for theirretirement: They don’t. And while it used to be something thatwould often “work itself out,” that’s no longer the case.

“Historically there have been safety nets in place for thenon-planner—pension plans, Social Security and private savings,”says Pete Welsh, VP of Product and Marketing Strategy atOneAmerica. But now there’s less of those supports available, hesays.

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