Zach's glow

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Across
  1. 3. Employer-Retirement
  2. 4. Percentage-of-lones
  3. 5. Harmful-loss
  4. 10. Value-grows
  5. 11. Extent-Lone-Suitable
  6. 12. Money-shareholders
  7. 13. Person-Likelihood-lones
Down
  1. 1. Small-amounts
  2. 2. Public-Employee-Retirement
  3. 6. Investment-Strategy-Devides
  4. 7. Owned-Value
  5. 8. Owed-Value
  6. 9. Increase