Which of the following best describes the current and expected future retirement environment?Why?

A.Most clients will be able to count on secure defined-benefit pension incomes from employer and government retirement plans.

B.Social Security benefit increases will more than make up for most retirees' income needs due to longer retirement periods.

C.The lengthening of longevity, partially the result of medical technology, means that many Americans will have to delay retirement in order to work longer.

D.Comfortable retirements are a thing of the past, regardless of planning.