51.   A woman wanted him to know that she believes people should be allowed to invest their own money in retirement plans rather than contribute to Social Security.

52.   A. The choice of funds aside, it appears to me that the sheet you enclosed describes options available for a retirement plan.

53.   A. Good idea, although it may be some time before your retirement plan includes these bonds as an option.

54.   AARP opposed the Boehner bill mainly because it would let employers hire the same company that administers its retirement plan to give participants investment advice.

55.   Adjusted gross income includes all forms of income less contributions to retirement plans but before standard or itemized deductions.

56.   Advice about asset allocation, retirement plans and other employee benefits is available from a Web-based software program called Help Yourself!

57.   Almost half of Americans have some money in the stock market, directly or through their retirement plans.

58.   But after the debate on the eve of the moratorium, they imposed the so-called blackout period to give themselves time to replace the administrators of the retirement plan.

59.   But as Secretary of Labor Alexis M. Herman has pointed out, a new type of retirement plan established last year by Congress eliminates these burdens.

60.   But Clinton said that state and municipal retirement plans already invest in the private market.