18 pages. "An important issue underlying many causes of inadequate lifetime income is the unpredictability of an individual's life span and an understanding that life expectancy is not how long an individual will live. Many people who carefully plan for their income needs in retirement do so based upon a fixed retirement horizon of average life expectancy and thus might give short shrift to the significant probability of living longer. Most people simply do not have the tools readily available to determine how much money they need to accumulate to finance a retirement that could last 30 years or more."