Charles Schwab today released nine key principles that provide investors with actionable guidelines meant to evoke thoughtful planning around how to fund their own income in retirement. As more than 76 million baby boomers – nearly 25 percent of all Americans -- approach retirement age in the next 20 years and make the transition from retirement saving to retirement spending, a new Schwab survey reveals that one-third of those who say they are just five years away from retirement have not even calculated how much income they will need in retirement and results suggest nearly half are flummoxed about how to invest their hard-earned money to help maximize retirement income.