Replacing your monthly paycheck with a secure income stream for life can be a challenging task for prospective retirees. This has become especially true in the baby boomer generation, and those following, because pensions no longer provide the financial security most Americans are seeking. Moreover, the average monthly allocation for social security replaces just 40 percent of the average pre-retirement income. To retire comfortably while easing your mind from financial worry, it’s prudent to have a solidifying plan which is not reliant upon the aforementioned programs.