20 pages. "The innovations of auto-enrollment and auto-escalation, and the growth of target date funds and similar products, has substantially increased the savings rates for many (though by no means all) Americans. But at retirement, the vast majority of savers are dropped into a financial world without guardrails, and with a wide range of complicated choices that few are able to fully appreciate.... There are a number of different ways to create reliable income streams in retirement."  MORE >>