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What’s happened to the metaphorical three-legged stool of comfortable retirement? It seems that not one of its legs is without a wobble: Defined benefit pensions have all but vanished, Social Security will start experiencing shortfalls about the same time the number of retiring baby boomers reaches its peak, and private savings in defined contribution plans are subject to the vagaries of markets and the economy. No wonder that a recent National Institute of Retirement Security study found that 85 percent of Americans are worried about whether they’ll be able to retire.

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