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Byline: MURRAY COLEMAN
A few years ago, planning ahead for retirement wasn't something Adam Gilmore put high on his priority list.
But one day talking to a friend, the topic came up. That led to Gilmore sitting down with his friend's financial adviser.
"He started showing me all these charts," said Gilmore, 27. "He really played up how much money you can make. But he didn't talk much about any downside."
More than a year later, Gilmore looked more closely at where his money was going.
"I started reading books and asking specific questions," said the Asheboro, N.C., resident. "The more I found out, the more I became concerned about …