It is never too early or too late to establish and nurture one’s retirement nest egg. Making additional contributions, the rules of compounding and growth, and diversification increase our investments. Part of that equation also involves assuring portfolios are invested appropriately given an individuals’ age and window of retirement. Thinking long-term is not just during our working career, but also in retirement. By using Spectrum’s colors in our education materials, it makes the conversation easier and a little more delightful. So often I am thanked for helping a participant better understand something that at one time seemed overwhelming to them. Even the most sophisticated investor is thankful for insight, knowledge, and oversight.