Americans younger than 60 bear more responsibility for financing their retirements than previous generations did. As a result, individual financial plans for retirement are more important than ever. Yet few Americans have begun to develop a plan for retirement. What's holding them back? Most lack confidence in their ability to provide the estimates required by today's plans, such as how much their retirement will cost. To break this Catch-22, smart product managers will combine electronic delivery and human advice to deliver a more accessible brand of retirement planning.