For the magazine’s 20th Anniversary, the September issue of SmartMoney has a long section recapping changes in American personal finance -- and on what they got right and wrong -- over the last two decades.
Their historical review starts with the blunt question:
Who’s responsible for your retirement? You are.
It would be more accurate to add, however: "You're responsible and you're all alone in an industry built to make money for itself, with few protections for your savings."
As SmartMoney explains:
