You will be hard-pressed to find anyone who doesn't think the United States is not making much headway in solving its retirement crisis.

"Americans and policymakers are starting to understand that the nation is not on solid footing," said Greg Smith, president and chairman of the National Institute on Retirement Security at the NIRS conference in Washington, D.C., this week. "They are not positioned to be self-sufficient in their retirement years."

So while numerous bills have been introduced in Congress in the past year to take a stab at fixing the retirement crisis and President Barack Obama introduced a new savings vehicle – the myRA – during his State of the Union address in January. most industry experts are looking to individual states to make the most impact, said Nancy LeaMond, AARP executive vice president.

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