1. Failure to Start Early - Magic of Compounding
2. Failure to Use Tax Free Accumulations
3. Failure to Anticipate Inflation
4. Failure to Take Advantage of Equity Indexing
5. Failure to Protect Your Income from Death & Disability
7. Failure to Use Tax Free Distributions
8. Failure to Avoid the Insurance Hit in a 401k
9. Failure to Protect Against Long Term Care Costs
10. Failure to Get Annuity Quotes at Retirement
11. Relying Too Heavily on Social Security
12. Failure to Have a Comprehensive Plan