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older man and woman hiking A secure retirement may currently appear to be a pipe dream to many, but it could become a reality with some legislative assistance, financial guidance and a disciplined savings strategy. (Photo: Shutterstock)

Most Americans dream of the day they can retire, spending their newfound free time sunbathing on a beach in Florida, exploring the historic cities of Europe, or making memories with loved ones. No matter the dream, there is one item essential to making these golden years a reality: a robust retirement savings account.

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