Retirement funding is generally known as a "three-legged" stool with Social Security, Personal Funds, and Pension Funds making up those three legs. In the last 50 years retirement planning as it relates to the role of each leg has really changed, with much of the burden now falling on the individual's contribution (personal funds). Assume your client wants to rely on social security to fund the major share of his retirement living. Describe how you would respond to that thought, and explain how he can use the three legs of the stool to give him a better chance of meeting his retirement goals.