"In a recent Gallup poll, 85% of pre-retirees stated that they needed more guaranteed monthly income than Social Security could provide, but only 27% were willing to give up access to their assets to accomplish that feat.... People seek guarantees but also control.... Social Security provides guaranteed income without control and yet is highly popular.... Ditto for traditional pension plans. It turns out that people are quite happy to relinquish their money in exchange for a future income stream, as long as the exchange is framed properly."  MORE >>