America's Lifetime Income Chalenge
 
     Fidelity Investments

 Changing Retirement Expectations

     Employee Benefit Research Inst.

 Crisis in Retirement Planning

     Robert Merton, MIT/Harvard U.
   

  Breaking the Four Percent Rule

     JP Morgan
           Underrated Impact of Taxes on Retirement          
 
     Lincoln Financial Group
 

  Safe Portfolio Withdrawal Rates

     Morningstar Investment Mgt