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Smart diversification can help turn your retirement savings into lasting security. These strategies make it easier to get on track, even if you’re starting late.

According to the 2025 Northwestern Mutual Planning & Progress Study, Americans believe they need $1.26 million to retire comfortably. This “magic number” can seem daunting, but setting clear goals and using a diversified investment strategy can make it more achievable. Experts agree: Your retirement target depends on lifestyle expectations, spending habits, and longevity. There’s no universal…