It wasn’t long ago that most Americans had a secure three-legged stool on which to rest their retirement concerns—a well-funded Social Security system, substantial corporate pensions with retiree health benefits, and, ideally, a strong personal savings rate.

Nowadays, however, pensions aren’t what they used to be; they’ve been largely replaced by employer-sponsored plans such as a 401(k), 403(b), or 457, the reliability of which is yet to be proven.

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