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Americans in all age groups are getting the picture that the old three-legged stool of income for retirement is just too wobblyso theyre adding a fourth leg: work.

The Department of Labors new fiduciary proposal potentially stands to complicate a retirement planning industry already marked by consumer confusion.

If older workers are wondering why its so hard to save for retirementparticularly as they agethe answer may lie at least partly in their paychecks.

While the SECs involvement provides the brokerage industry another front for battling the White House plan, it also gives the Labor Department cover to proceed on its own.

The state doesnt have the ability to absorb the full, unfunded liability.

Amid all the press about unfunded liabilities and legal battles, some public pension systems manage, and are managed, quite well.

Transamerica's Center for Retirement Studies says its latest survey once again shows women are at greater risk of failing to achieve a financially secure retirement compared to men.

For all the talk about investment options as they pertain to 401(k) plans, beyond addressing the basics there's very little differentiation in the long-term impact of the choices.