1.      Only about 25% of Americans are able to reach this goal.

2.      A traditional balanced portfolio no longer works according to JPMorgan and Goldman Sachs studies.

3.      If you add in guarantees to your portfolio, you can still take the 4% or more and have your money last your retirement.

4.      The adviser you speak with matters. Some big firms limit what their advisors can do because they don’t make money off certain products.