Beware of salesmen in retirement

Maybe you are one of the many Americans who don't use the services of a fiduciary firm for your retirement money. You probably should be.

If your retirement assets aren't some of your more important personal assets maybe they should be.

And if you think Social Security is social and secure at your retirement keep dreaming.

The real tragedy of American baby-boomers is their lack of focus on outliving their money, rather than their misguided fear of losing it in the financial markets. Long term the markets only go one way, even with hiccups like today's action.