I laughed when I read this: "Advice Is Key to a Secure Retirement - Reports by EBRI and LIMRA suggest a looming retirement income crisis could still be averted in some cases by advisor intervention."

Now who would be giving this advice?  I assume the same ones that were giving it in 2006 & 2007, which led many folks to loose 40% of the value of their 401k!

Study finance yourself.  No need to pay someone else a big fee, which they get regardless of how well your investments do.