Retirement    It’s a fact that 10,000 Americans per day1 will continue turning 65 up until the year 2030. For the people who have money saved in, say, a 401(k), which is the most common retirement vehicle, you are facing stock market volatility which can have a devastating effect on your portfolio, along with rising interest rates which could devalue bonds, not to mention rates still hovering at around 2% on CDs, savings accounts and money markets. Then there are RMDs (Required Minimum Distributions) that kick in at age 70-1/2, triggering taxation for many when they least expect it. There
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