The success of any organizaton depends on team-work. Take a manager or other employee out of the equation and profitability can be seriously affected.

According to a survey that Franklin Templeton Retirement Income Strategies and Expectations released last week, roughly a third of adults of all ages say that running out of money is their top retirement concern. For older Baby Boomers, that number is higher because they have less time to rebuild their nest eggs from the recent economic downturn.