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Build your "personal pension plan" and declare your independence from empty pension promises. Robert Russell is CEO & CIO of the Ohio-based Russell & Company, a private wealth management firm specializing in helping affluent individuals ages 45 and up create and preserve their wealth. He co-hosts a radio show, authors The Rob Report blog, and is a frequent contributor to The Wall Street Journal, SmartMoney, & FOX Business. More From US News & World Report How Safe Is Your American Dream? Buy and Hold or Buy and Hope? Got Bucks? Invest Them All at Once