My father was a CPA, and was definitely a saver. Thanks to his advice, I opened an IRA with my first full-time job, and put the maximum allowable into it each year. Later I had a job with a 401(k) and I put the max into that as well.
When I became disabled, I was of course not able to put anything into the 401(k) any longer. I was able to roll it over into the IRA that I still had. I'd used a broker in Nevada, but when I moved back to North Dakota, my account moved with me, and I got a new broker. I was with Morgan Stanley, but when they closed their ND offices, I chose to stay with my broker and move to Wachovia Securities.
I have to say, I'm happier with Wachovia than I was with any of my previous "retirement" programs. My broker is knowledgeable about the market, my options, and my needs. We discuss at length what I want to do with my money; he makes suggestions and he actually listens to my suggestions as well. As a result, my IRA has grown an average of 15% a year, even when the stock market was tanking.
Wachovia offers an enormous range of services beyond retirement savings, including checking, savings, and loan services. I've been only happy with them, and would recommend them to anyone!