The manager of a retirement complex where she lived, Sue Grisedale, believed it would be a comfort to her friends there to know Miss Davies was to buried back home in Wales.

BBC: NEWS | UK | Wales | South East Wales | Mystery woman named in will found

As retirement becomes more complex with more decisions to make, confidence drops.

FORBES: Three Key Investment Concepts Everyone Needs to Know

Investing for retirement can be extremely complex.

FORBES: Powerful Investing Rules Made Simple

In New Jersey, elected officials can start collecting their lawmakers' pension once they qualify for it (based on a complex system of accumulating so-called retirement credits), yet stay in office and also garner a salary.

WSJ: State Politicians and the Public Pension Cookie Jar

Yet in many ways, retirement is a transition point that can have the most complex and widespread impact on our lives.

WSJ: The Experts: Retirement Surprises

Before investing spare dollars for retirement in mutual stock and bond funds, or buying complex insurance products that are subject to market risk, those 25-year-olds should first focus on savings.

FORBES: How Wall Street Unloads Its Risk On Unsuspecting Savers

In summary, here is where we are in America today: We are solely responsible for handling our most complex financial matters, such as providing for our retirement security- for reviewing every prospectus of every fund or stock in which we invest over our lifetime (before we invest)- yet we cannot fully comprehend even the smallest financial events of our daily lives, such as our phone bill.

FORBES: Pension Consultant Shenanigans (September 4, 2004 )