You probably have heard about the three-legged stool approach to retirement planning.  Historically financial planners had advised that retirees could expect to derive their means of support from three sources: Social Security, corporate retirement plans and personal savings. 

It was generally understood that each source of funds was responsible for providing 1/3 of the total living expenses required in retirement. Over the years the three-legged stool approach was modified a bit as a result of:

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