Longevity is a source of economic insecurity in that many people may out live their financial capacity to maintain themselves and their dependents.  To meet the economic needs of retirement in our country most individuals rely on three sources:

1. Personal savings
2. Social insurance programs
3. Employer - sponsored pensions

In recent years there has been dramatic growth in private pensions especially 401(k) s. The complexity of pensions, administration, pension laws and IRS regulations require specialized expertise.

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	Employer Involvement in Investment
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