RETIREMENT SAVINGS HISTORY & TRENDS KAAREN HALL So how well are Americans doing at finances achieving needed the for a retirement, and preferably a comfortable, and timely one? With tenthousand Baby Boomers reaching age 65 every day for the next decade this is a question in desperate need of an answer. Not only is this large sector of our population aging but the vast majority of pensions are underfunded Looking back a couple of century’s average people just never lived long enough to retire, nor was simply dropping out to play golf and sip tea all and Social Security is anything but secure. day something people strived for. They simply worked till they dropped. The ‘golden years’ was a term originally coined to refer to the peak working and earning years of 25 to 40. Now it is commonly used to describe a coveted period of relaxation, golfing, bingo, and travel, with plenty of income, and no work. Of course those are the golden years most of us are craving today; and if we can get there in our 40s we’re even happier (at least until we get bored). The answer may well be found by taking retirement into our own hands and investing in the asset classes we know best. That’s what selfdirected IRAs allow us to do. We can move our retirement accounts over to selfdirected accounts and invest in “alternative assets” like real estate, private stock, precious metals, notes and more to secure our financial future.