Link to the full article as it appears in Arkansas Money & Politics
Capital Formation for Retirement (And Beyond)
The practice of working until you were no longer able began to change roughly 150 years ago.
Some of the early pension programs around the world were started in order to “retire” older, less productive workers. In 1875, the American Express Company started the first private pension offering as a way for employers to incent older workers to leave. For the last 150 years or so, the developed world has struggled with how to finance life after work. Everyone wants the magic formula that will assure a financially sound retirement.
Consider the following to give you the best chance for maintaining a standard of living in retirement that is consistent with your means:
* There Is No Magic Formula ...