You work hard saving and investing most of your adult life so that you can have the retirement of your dreams, but there are financial risks that could derail your plans. In this episode of Edelman Financial Engines’ Everyday Wealth™, Jean and wealth planner Rose Niang explain what those risks are and how to help protect your retirement. Then, Jean is joined by Dr. Ken Dychtwald, the country's foremost expert on aging and author of 19 books on the subject, including his memoir, Radical Curiosity: One Man's Search for Cosmic Magic and a Purposeful Life, to discuss the risk of outliving your money and how having a financial advisor can help.    Ms. Chatzky receives cash compensation for acting as host of the Everyday Wealth podcast and for related activities and therefore has an incentive to endorse Edelman Financial Engines and its planners.  That compensation is a fixed sum paid on an annual basis; and reimbursement for certain expenses.  The amount paid each year does not vary, is not based on show content or any results-dependent factors (e.g., popularity of the show). This show is pre-recorded, and any callers are prescreened. The views and opinions expressed by Ken Dychtwald are solely their own and may not reflect the views or opinions of EFE or its planners. The information being provided is for informational and educational purposes only and should not be construed as investment advice. You should consult with a financial advisor to help determine the best options for your particular circumstances.  Investing strategies, such as asset allocation, diversification or rebalancing, do not ensure or guarantee better performance and cannot eliminate the risk of investment losses. All investments have inherent risks, including loss of principal. There are no guarantees that a portfolio employing these or any other strategy will outperform a portfolio that does not engage in such strategies. Past performance does not guarantee future results. See omnystudio.com/listener for privacy information.