when i talked to sandy douglas -- >> diet. >> diet including caloric drinks.ing their portfolios into bottled water and sports drinks and smaller cokes. >> let's second it over to john ford and find out what's coming up on alley. >> we're going to continue to watch these markets. the dow down more than 260 points. the nasdaq carrying the worst of all the major indexes. of course, that's tech-heavy. also we have a review of the iphone 6s, and microsoft got something new. office 2016. we'll take a look at that with one of microsoft's top executives coming up on "squawk alley." hey! hi! our cloud - it's a platform based on awesome-ization! really? can it keep our data where it needs to be no matter what country we're in? integrate with our systems to help keep transactions secure? combine customer data with likes, tweets, the weather, to predict trends? that would be awesome. tote? now there's a cloud that understands business. now there's the ibm cloud. >> good morning, it's 8:00 a.m. at apple heard quarters and 11:00 a.m. on wall street, and "squawk alley" is l

sandy. they are enjoying the good life now. they admit planning for retirement is far from priority. are you saving enough every month? >> no. >> no. >> hello, everyone. >> reporter: enter certified financial planner douglas bonaparte. one big secret is hidden right on the 401(k) statements. operating expenses are fancy words for added fees. neither one sounds like fee. >> beneath ver the word fee in it. you may be able to save money by choosing investment opgs that charge less in fees and expenses. >> reporter: amanda's current investment charges her an average of 1% in fees. switching to investments that charge less than 1%, her family could save $117,000 over 30 years. >> this adds up over time. often, it's staggering. >> reporter: now, on the ian's plan. >> you have five requirement plans from previous employers. >> reporter: another way to save on fees is to consolidate multiple 401(k) plans into one plan or an i.r.a. asking a financial adviser or can point you to the lowest cost investments. supercharge your retirement savings by making your loose change work for you. bank of america and apps like digit and acorn have tools that round up to the nearest dollar and put the exact money into an investme