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The U.S. Retirement Crisis and Financial Services Firms
Deloitte University Press 
May 4, 2015
"[F]inancial advisors were almost unanimous in suggesting that consumers do indeed face significant challenges getting started and staying on track with retirement planning. In particular, they felt that a lack of holistic planning, lack of familiarity with retirement products, and the do-it-yourself mentality were the most significant barriers. Poor communication and trust were also seen as quite significant[.]"
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