?For millions of Americans retirement dreams have turned into a hopeless nightmare,? says Jeff Harris an Independent Pension Consultant in York, SC. He?s part of an elite group of professionals who?ve earned the Accredited Investment Fiduciary Analyst® (AIFA) professional designation through The Wharton Business School in San Francisco, CA. In his new book, ?Rays of Hope for Shattered Dreams: A Simple Fix for 401(k)s?, he outlines a step-by-step process designed to help Americans get their retirement plans back on track. Mr. Harris has been featured in Readers Digest (Dec 07), The Wall St. Journal (July 09) and quoted in major publications like SmartMoney, Inc. and Entrepreneur Magazine. He?s the author of ?Retire Rich and Happy: 12 Secrets to Retirement Success?, Aames-Abbott Publishing 2005.