"Thirty-five years ago, 25 percent of people surveyed were concerned about adequate retirement income; today that's 61 percent and the percentage has been rising. Retirement insecurity is now the most broadly felt component of economic insecurity (more widespread than Americans' previous top concern: healthcare costs). The ERISA community, by comparison, seems passive. Some quibble about whether this is a 'crisis.' Others seem to be channeling Elisabeth Kübler-Ross: some are in denial; others accept that 'pensions are dead.' "  MORE >>