Some members may be among those investors that are still skittish about risk when it comes to their investment choices and if they are adequately prepared to retire.

Nearly 1,300 independent financial advisers provided that assessment in the Curian Capital LLC "2011 Advisor Survey" released in late February. They were asked to gauge how market volatility and the economic climate have impacted their perceptions in four main areas–economic outlook, product selection and investment strategies, business development, and platforms and providers.

Forty-three percent of advisers felt that not generating enough income to last through retirement is the biggest threat to their clients' retirement plans. Thirty-seven percent said the majority of their clients are even more concerned about market volatility. More than two-thirds of advisers said their clients are requesting more conservative investments and guaranteed income features, while 44% say clients are requesting a tactical asset allocation approach. Between two and four different investment strategies were used in each client portfolio, 79% of advisers noted.