We need to simplify the process for small employers. We also need to build demand among employees by persuading them to consider retirement planning a priority.

Everyone recognizes that investors need to know certain key facts and concepts, but it is important that they learn the behavioral process of investing -- such as checking the background of a stockbroker or investment adviser -- that may prove to be just as critical to their success in the long run.

We all recognize that investors need to know certain key facts and concepts. But it may be even more important to their long-term financial security that investors learn the behavioral process of investing.

If you're doing retirement planning you realize it's a long-term venture. If you have some extra money, now is the time to buy something for 20 years form now.

More Americans are focused on saving for retirement, but are they putting away enough? It's not grounded in a plan and they're saving blindly. They really don't know if they're saving enough.

Marketing to students is definitely working, as many of them end up signing for as many as five to six credit cards.