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Simply knowing what’s needed isn’t working. A recent study by the Federal Reserve Board shows that 31 percent of workers have no retirement savings or pension. Despite 69 percent of respondents having some sort of savings, they’re not exactly prepared. According to the National Retirement Risk Index, published by Boston College’s Center for Retirement Research, 52 percent of households in the U.S. face the likelihood of not being able to maintain their current standards of living into retirement.

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