Investing nothing more than the time and effort to create a written retirement plan can pay off in significant benefits, experts say. A telephone survey for Wells Fargo found that people with written plans were more confident about the future than those without them, and that wasn't the only benefit. "Regardless of income, those with a plan had saved three times more toward their goal than those who didn’t have a plan," said Laurie Nordquist, head of Wells Fargo Institutional Retirement and Trust.

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