Retirement readiness for most seniors is not ready. 48% have some savings, 23% have a defined benefit plan and 29% have little to no savings at all. With me today to talk about the top ten retirement challenges to retirees and those about to retire is Stephen Stricklin, certified financial planner and registered investment advisor. Stephen is one of the top five advisors in the country as ranked by Retirement Advisor magazine, a leading industry publication