Well, the 2013 annual Retirement Confidence Survey is out, and it doesn’t look good. Only 13 percent of those surveyed are very confident they will have enough money for a comfortable retirement. A full 28 percent are not confident at all that they will be able to retire comfortably. That is the highest number yet recorded by the survey in the 23 years it has been in existence. Clearly, the need for better retirement funding – or at least the concern that people don’t have enough funding – is undeniable.