So you think you’re on the road to a secure retirement? So did Steve and Linda Adams, a wealthy couple in Falmouth, MA, earning more than $300,000 a year. But one wrong turn, like overspending or a volatile stock market, could steer their very comfortable lifestyle right off a cliff. We sent a certified financial planner to the Adams’ home to calculate their route to retirement and see if they’re on course.

If this wealthy couple’s retirement years could be threatened that easily, than those of us who don’t make $300,000 need to take the planning process a lot more seriously. Pam and Jack share three easy steps to jump-start your retirement plan, and explain the best ways to use a financial advisor to help you map your financial future. Investing 101’s guest, retirement expert Jonathan Pond, also gives smart tips about spending less and saving more for your golden years.

Older Americans have become the number-one target for scam artists posing as investment professionals. In Scam Alert, we talk with Joan DuBois, 82, who relocated to Florida to enjoy a well-earned retirement. A tempting newspaper ad from a company promising low risk and high returns led her to invest $50,000 with a charming, slick-talking rep. He and his cronies robbed DuBois and 380 other investors, mostly elderly, out of $35 million and spent it on fancy cars, boats and beachfront property.