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It's official: Now you have no excuse not to start saving for retirement, because the government on Wednesday is launching a free, no-risk saving plan called myRA. http://www.usatoday.com/story/money/2015/11/04/launching-nationwide-myra-offers-free-way-save-retirement/75094398/?csp=retirement
My 90 year old father is getting bombarded with phone calls and even some cold calls from individuals wanting to "Redo" his investments or trying to scare him or trying to sell his investments to buy gold. This article might be interesting to you. He is registered with Donot Call as of now. Does that really make a difference? http://www.usatoday.com/story/money/personalfinance/2013/02/23/edlerly-financial-fraud/1923529/