Social Security benefits may not be available by the time we retire, and even if they are available, they will not provide enough monthly funds to maintain our current life-styles. This means that we face an increasing burden to build our own retirement funds.

When you're barely making ends meet, saving for retirement may seem like an impossible task. Of course, if you are employed by a firm that offers a retirement plan, you have some protection. However, even with popular plans such as 401(k) contributions, according to a press release distributed by BusinessWire, most Americans do not have enough money in their retirement savings to maintain their current life-styles.

The major risk is longevity; i.e., outliving the available retirement savings. Other risks include economic market downturn, the unavailability of promised employer or government benefits, poor health or prolonged illness that prematurely drain retirement savings, or divorce or death of a spouse that affects available resources.

The good news is that as dire as all of this may seem, there are resources and opportunities available to help with retirement planning and savings...no matter how late in the game we have decided to save for retirement or how limited our monthly budgets may be. We have assembled a wealth of articles, resources and tips to help you evaluate how you may strengthen your retirement savings and build your nest egg.

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