There’s a retirement crisis in this country, and it’s impacting everyone. Current retirees and soon-to-be retirees may be in the most immediate danger, but younger Americans are at risk as well. Can investors save enough to compensate for skyrocketing inflation and tax rates that may be just around the corner?

A recent USA Today article breaks down the problem:

The retirement crisis in America is not contained to any one generation. Across the country, people of all ages are struggling with stagnant wages, rising living expenses, and an overall sluggish economy. Some are closer to their golden years than others, but one thing is clear: There are three unique generations with very different retirements ahead of them.

Many workers are simply trying to recover from the financial meltdown that took place more than five years ago. According to the 15th Annual Transamerica Retirement survey, one of the largest and longest-running national surveys of its kind, 35% of workers believe the Great Recession has not yet ended. That figure rises to 40% among Baby Boomers. Meanwhile, 65% of workers believe the recession has ended, but they have mixed views about the strength of the recovery. Only 14% say they have fully recovered financially from the historic downturn.

“Experts have long written about the changing retirement landscape over the past century,” said Catherine Collinson, president of the Transamerica Center for Retirement Studies. “Times are changing so rapidly that the retirements of Baby Boomers, Generation X, and Millennials will not only be a radical departure from their parents’ generations but from each other as well.”

Are you at risk of running out of money in your retirement?

Running out of money represents the nightmare scenario for any retiree, but in this era of skyrocketing inflation, government debt, and rising taxes, it may be closer to a reality than you realize. And if you are counting on help from government programs like Social Security and Medicare, you may be disappointed, as both programs are dramatically underfunded and on course for insolvency.

As if all of that wasn’t enough, the Obama 2015 Budget Proposal plans to overhaul many positive retirement benefits. Learning about these changes now could be the difference of hundreds of thousands of dollars. Learn from my newly released book What to do @ 62 – How To Have a Protected Retirement Income Plan. Simply register for our new educational webinar at

There is a retirement crisis here in America, and your future is in jeopardy. It’s more important than ever that you have a solid retirement plan. The good news is that we can help. We will reduce your vulnerability to market risk, as well as your exposure to taxes and inflation. We eliminate market risk; in the last decade, NONE of our clients have lost a single dime in the market. Prior gains can’t be lost, either.  This is why our clients have averaged over 8% during the worst economic downturn since The Great Depression. Visit to learn more!