Kiplinger

If You Want to Retire Comfortably, It Isn't All About Investing

Here's a little secret, just between you and me.

A lot of people -- maybe even most people -- can be successful DIYers through the early years of their investing life. Unless you're a high earner, have a high net worth or have some other special planning needs, you probably can figure out how much you want to contribute and how to allocate your assets. (If you can't or don't want to, you should, by all means, seek professional guidance -- even if it's only on specific occasions, or to tap into some good investing advice.)

However, I'm going to warn you: When you're ready to wrap up the accumulation phase and move on to preservation and distribution, things could

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