Kent Conrad: “CBO's estimate showed the deficit in 2009 would be approximately $1.2 trillion, and that is before any policy changes.”

Things are changing very rapidly, and it presents us with a requirement to change how we envision retirement as well.

What is realistic is to deal with these changes in a way that does expand access, that does expand the opportunity for people to participate in a retirement plan at work.

I would say personally I would not go to a company advising me on wealth management that did not have it because I think whoever is advising me ought to have as their highest responsibility to be giving me advice that is in my interest.

This Retirement Security Plan structure that we have suggested I think would go a long way toward dealing with these issues.