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If you had to paint the picture of your ideal retirement, what would it look like? Would you be traveling the world and visiting new places? Spending more time with grandkids? Investing in a second home?

For many Americans, that image of retirement may be more of a fantasy than a reality. Experts recommend that people save between 10 to 15 percent of their annual income for retirement, yet many are falling short of that target. The result is that people aren’t nearly as prepared for their financial future as they should be.

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