Baby Boomers are coming to terms with the realities of life, the current state of the economy, and their health. I can't fix your retirement package and make it better, especially after the economic debacle of the last couple of years; but I can get you on the right track with your health, cash flow, and state of happiness.

As a fellow baby boomer the writer is too aware of the fear of poverty as the retirement age grows ever nearer. We now realise that whatever we have financially available to us once we have retired is not going to be enough to keep us in any acceptable standard of living.