Dillard Professor Kem Washington knows the importance of saving for retirement. In a recent article for Yahoo! Finance, she shares her expertise on saving and planning. "I believe having a plan is better than having no plan at all. Having a strategic asset allocation, reallocating near retirement and getting into the market as soon as possible would help individuals in reaching their financial goals better than those who are doing nothing at all", she says.

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Bankrate.com or Fox Business