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Sources: Insights provided by Chris Rett, CFP®, AIF® and Dean Barber Managing Director of Modern Wealth Management, LLC.

• https://www.investmentnews.com/retirement-planning/vanguard-fidelity-data-show-new-record-highs-in-401k-savings/265542 • https://www.ebri.org/content/2026-retirement-confidence-survey-finds-americans-less-confident-about-retirement-as-worries-grow-over-social-security--medicare-and-rising-costs • https://youtube.com/shorts/K45hy_Tq7Uw?si=JGBrroGZNIHMNKN4 • https://finance.yahoo.com/news/retirement-outlook-gen-z-wants-170327130.html? guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAALyeLSPtCYrrhFL8PnBk-bi9NMGvubqp9NluFgfL0liOr2JqcuS2FHLne8NJCHiPpFoLS_GEKaYeRfzKpBkdJ1064Qk2G8EKSaIBUvQV9-hZTv4QAsZoIA7ZPYOP1K8W7VL0r4bWrk2bB8riAapW2WhMeKZYEsPJ2Gw9jhSzQLg7&guccounter=2 • https://www.fidelity.com/learning-center/personal-finance/average-retirement-savings • https://theconversation.com/why-is-climbing-mount-everest-so-dangerous-206099 • https://www.ebri.org/docs/default-source/rcs/2026-rcs/2026-rcs-release-report.pdf? sfvrsn=1229022f_1 • https://workplace.vanguard.com/insights-and-research/report/previewing-how-america-saves-2026.html • https://www.modwm.com/2026-401k-and-ira-contribution-limits/

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