Retirement planning hasn't changed all that much over the years, however, today's savers face challenges that previous generations didn't have to worry about. Life expectancy is longer, as people are leading more active and healthier lifestyles. The days of working for a single employer for 30, 35 or 40 years are just about over, as most companies have moved away from defined benefit plans (pensions), the very sticking point for long-term employee retention. The reality is, people will have an average of 12 employers during their working careers, and saving for retirement has become a personal responsibility. At AAA Financial Group, we understand these challenges.