The population dynamic is shifting
Concern over the Social Security program's ability to fund itself over the long term is mounting. With baby boomers nearing retirement age, a strain on Social Security's ability to meet its obligations is likely to develop.

The number of workers per retiree is expected to decline
The Social Security program is supported by taxes from current workers to pay the benefits of current retirees. Since the ratio of workers to retirees is expected to decline, a shortfall in future Social Security funding is likely.

Source: Ratio of workers to beneficiary — "The 2006 Annual Report of the Board of Trustees of the Federal Old-Age and Survivors Insurance and Disability Insurance Trust Funds"

Protect retirement goals through a disciplined investment strategy
The trustees of the Social Security program predict that the system will only be able to pay full benefits for about thirty-six more years. This puts the future of Social Security in doubt for much of today's workforce.

While the political system debates the appropriate action to take, many investors should realize that the future is in their hands. Investors may be better able to secure the retirement lifestyle they desire by starting early and employing a disciplined investment strategy. Talk to a financial representative about IRAs, 401(k)s, and other investment vehicles to support your retirement goals.