Many people are aware of the benefits of using a traditional 401(k) or an individual retirement account (IRA) to save or invest money for their retirement, but they may have either not heard of—or possibly overlooked—the advantages of Roth savings opportunities within their employers’ retirement plans.

Accumulating a substantial nest egg for your retirement years may seem overwhelming, but there are smart ways to plan for retirement at every age, says Eric Freedman, chief investment officer for CAPTRUST.

When it comes to saving and investing for retirement, there may be a quiet battle of the sexes going on in many households.

What really happened to Cinderella after she married Prince Charming? Did she live happily ever after?

My father is a big fan of the K.I.S.S. principle (“Keep it simple, sweetie.” What? Your father calls it something else?).

When it comes to saving for retirement, starting early is crucial, says Michael S. Pratico, a CAPTRUST financial advisor in Falmouth, Maine.

Many people can’t wait for retirement. They have visions of playing golf, fly-fishing, reading, volunteering, spending hours with their grandchildren, and engaging in all manner of activities they never had time to do before. But several questions often weigh heavily: Do I have enough money tucked away to make my retirement vision a reality? Or will I end up barely scraping by? Can I afford to continue to live in my current home? Or should I downsize or move to a cheaper area of the country?

“The key to building wealth is simple in theory but difficult to do: Spend less than you make and invest the rest,” says Jean Duffy, a CAPTRUST financial advisor in West Des Moines, Iowa.