Excerpt: [M]ore metro Atlanta workers are joining the ranks of Americans shouldering primary responsibility for saving and investing enough money to fund their retirements. Only 17 percent of private-sector workers nationwide are now covered by traditional pensions in which a company promises its retirees a predictable retirement income no matter what happens in the financial markets. 'It's those people in their 40s and 50s that are going to get caught. They need to start saving and investing,' said Thomas Stone, a former Delta executive who retired before the company froze its pension plan in 2004. Stone, 64, says his own children don't expect to retire on a traditional pension like his. 'It no longer makes sense for a company to take on that kind of obligation.'

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