"[T]here will always be two kinds of people: those who hire a professional, and those who prefer to do things themselves. It's as true in retirement planning as it is in other areas of life. The common goal is funding a secure retirement, but there are two vastly different approaches to getting there. On one end of the spectrum is the 'hire it done' mentality of a defined benefit plan.... Way at the other end of the spectrum is the 'do-it-yourself' mentality of a 401k plan."  MORE >>