My wife and I have asked our financial adviser how much money we can expect to have monthly at retirement from our savings, and have not received even a clue from him. Instead, he asks us what we’ll need or want. That’s hard for us to answer. The only conclusion I reach is that it’s easier for him to figure out how to come up with the total we tell him than to figure out what we can get from …

Although a troubling number of executives and brokers with bailed-out firms still seem to be on track with an ultra-cushy retirement, yours might be derailed. Reality-check time: You probably won’t be able to retire when you hoped to unless you make a lot more money and save it. Since your retirement funds are probably ravaged, it’s no surprise that you may need to work longer. This is bitter …