I've talked, emailed, DM'ed and communicated via other methods with hundreds of retirement planning professionals. For the most part, being the fine fiduciaries they are, they all put their clients' interests first. Yet, for all this altruism, they remain frustrated. While many of their clients understand the ease with which the path to a relaxing retirement can be attained and have the discipline to follow that path, there remain those recalcitrant clients who lack the confidence to believe they, too, can live the retirement of their dreams. 

It is for these friends that I offer this Ode to a Retirement Investor (an excerpt from my next book and printed with the permission of its publisher):

You can accomplish almost anything, even the impossible. I bet you never thought you were all-powerful. In fact, if you're like most people, you don't. And that's OK. Not everyone can invent a cure for polio, create the assembly line method of manufacturing or discover a way to reduce integrated circuits to the size of a fingernail. Really. It's OK. We can get by with only a handful of people who believe they can accomplish the undoable. We'll leave it to those folks to find a way to prevent cancer, to uncover a way to reduce energy costs and to invent the next iPad. 

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Christopher Carosa

Chris Carosa has been writing a weekly article and monthly column for BenefitsPRO online and BenefitsPRO Magazine since 2011 and is a nationally recognized award-winning writer, researcher and speaker. He’s written seven books, including From Cradle to Retire: The Child IRA; Hey! What’s My Number? – How to Increase the Odds You Will Retire in Comfort; A Pizza The Action: Everything I Ever Learned About Business I Learned By Working in a Pizza Stand at the Erie County Fair; and the widely acclaimed 401(k) Fiduciary Solutions. Carosa is also Chief Contributing Editor of the authoritative trade journal FiduciaryNews.com and publisher of the Mendon-Honeoye Falls-Lima Sentinel, a weekly community newspaper he founded in 1989. Currently serving as President of the National Society of Newspaper Columnists and with more than 1,000 articles published in various publications, he appears regularly in the national media. A “parallel” entrepreneur, he actively runs a handful of businesses, including a small boutique investment adviser, providing hands-on experience for his writing. A trained astrophysicist, he also holds an MBA and has been designated a Certified Trust and Financial Advisor. Share your thoughts and story ideas with him through Facebook (https://www.facebook.com/christophercarosa/)and Twitter (https://twitter.com/ChrisCarosa).