I have a decent pension plan as well as a 401K match, I took all my information to D A Davidson on Wednesday, they will get back with me in a couple of weeks. Hopefully they are taking information security more seriously now.I can't give advice with this, so I'll let Toshi do the educating here. His points are accurate. I like Personal Capital's retirement planning tools, as they are free and their projections are much in line with what we use here: looking at investing for income generation in retirement. That's what really matters - having enough to live off or know how much you can so as to not run out.
**without knowing the Lifecycle fund, having only 15% fixed income is NOT moderate-low.