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Here are the hard facts according to the US Census Bureau. Out of an average 100 people surveyed at age 65: 48 had incomes below or near the poverty level 38 were struggling financially 11 had enough money to meet their needs (this doesn’t include “wants”) 2 were living comfortably 1 — Yes, only ONE, had enough money to enjoy the financial independence that one should expect from retirement. Which category do you want to be in? Those figures indicate clearly that there is a drastic need for individuals to take action and start saving for their retirement. Additionally, after the year 2000 it is estimated that individuals may have to wait until age 67 to start receiving full benefits from Social Security. That is assuming of course that Social Security will even be able to pay benefits at all! Starting a good financial plan may seem to be a difficult and confusing undertaking, but PAI - Pension Services, Inc. offers an extremely powerful savings tool, expert service and assistance to help employees build the solid financial future they want and deserve. This tool is a 401(k) Savings Plan. Check out the chart that shows what this plan can do for you.