Take a look at your investment statement. Not the account balance. Look at the list of investments underneath it. Now pick one and ask yourself three questions: What is this for? When will I use it? How does it help fund my retirement? If you cannot answer those questions for every investment, you are not alone. Many portfolios are not intentionally designed. They are accumulated over time. And that can become a problem when retirement gets closer. Nobody Plans to Build a Complicated...