Your advisor should review for the allocation of the assets within your accounts. Are your assets diversified? You need to work on diversifying your assets if they are invested in just one type of asset class or in a fixed fund earning below the inflation rate. Saving is different for investing. Saving means just putting it away. Investing means monitoring, growing, dollar cost averaging, re-balancing and making adjustments to the account if necessary. Retirement income planning is a form of investing not saving.