There is tremendous concern among government officials and retirement experts that American workers do not and will not have the resources to retire at age 65. With increases in longevity, Americans have about 40 years to set aside enough savings to support 25 to 30 years in retirement. And certain costs, especially healthcare costs, can have a devastating effect on retirement savings. As Americans reach retirement age, many are realizing, first, that they haven’t saved nearly enough and, second, that retirement planning was something they should have taken more seriously. Few have educated themselves, developed the skills, or simply taken the time to properly plan for retirement and/or make sound investment decisions. As a result, many seek the advice or guidance of investment professionals. Ensuring that interests are aligned between these two parties is critical.