If you like to oversee your own retirement planning, you have to do some homework. Most of you have gotten used to that and spend time on researching, sorting opinions and putting together the best approach for you and your family. Complicating the process is your need to address three key retirement objectives — lifetime income, liquidity for unplanned expenses and legacy for kids and grandkids. And, of course, you want to lower your taxes and have less market risk.
