Without a doubt, the long term trend is that individuals will be responsible for funding their own retirements. Gone are the days of the lifelong company pension, and even government jobs are offering fewer retirements benefits than they used to provide. If a person doesn’t know where to start, a good idea would be the HR office, for an explanation of how to participate in the company 401k (or 503b for public employees). Another good option would be to walk into a bank or brokerage company branch (Charles Schwab, Ameritrade, UBS, etc.) to discuss opening up an IRA or Roth IRA account.