There’s no doubt that Americans have a love affair with their 401(k) plans. But with their portfolios battered by the financial meltdown and the specter of rising health care costs looming, many future retirees are realizing that a 401(k) probably won’t provide that kind of income alone.

In fact, financial experts say tomorrow’s retirees will need 80 to 100 percent of their pre-retirement income just to live comfortably!

With that in mind, more and more investors are supplementing their retirement savings with an old friend – the Individual Retirement Account (IRA).