There is a looming retirement crisis, as individuals are increasingly being asked to take responsibility for their own retirement planning and a majority of these individuals are financially unsophisticated. They cannot perform basic compounding calculations and do not understand the impact of inflation, both critical aspects of retirement planning. 

Yet, these individuals are being tasked with the responsibility for three complex, interconnected decisions: how much to save, how to invest (with many additional decisions), and how to decumulate one’s portfolio at retirement.