If you were to pull into a parking garage today, you wouldn't worry that the garage would collapse from the added weight of your car. You assume the garage was engineered to hold the weight of your vehicle and that of many others across several floors.
Your retirement plan should give you the same comfort at each level, if it is weighted properly. Yet many people don't have a well-engineered retirement plan in place. Instead, their plan was structured in a way that creates top-heaviness in stocks, uncertainty, worry and the threat of collapse.
