>>AVOIDING RETIREMENT REVERSALS Recent research from the Employee Benefit Research Institute (EBRI) says that the lowest-income households can experience financial difficulties quite early in retirement, with as many as 43% running short of money in the first year after retiring. By contrast only 2% of highest-income households are likely to run short of money even 10 years into retirement. Clearly, low-income households face special challenges when it comes to retirement planning. But whatever your income, the surest way to reduce your chances of running into problems early or even later in retirement is to gauge whether you’re financially ready to retire before you actually do so. Several tools in the Retirement Income section of our Retirement Toolbox can help you make that assessment.