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Photo by Associated Press

In this July 8, 2014 photo, William Kistler, right, goes over a clients' information with support specialist Ronald Smith at Kistler's office in Denver. Sixty-three-year-old Kistler views retirement like someone tied to the tracks watching a train coming: Its looming, its threatening and theres little he can do.There is not enough to retire with, said Kistler, a Golden, Colorado, resident who said he is unable to build up a nest egg for his wife with his modest salary helping seniors navigate benefits. Its completely frightening to tell you the truth. And I, like a lot of people, try not to think about it too much, which is actually a problem.(AP Photo/Ed Andrieski)