The stunning decline in property values across most of the country, a prolonged recession and plain-old negligence and shortsightedness on the part of American workers have combined to make retirement more a fantasy than a reality for tens of millions of baby boomers.

In fact, the number of people 65 and older will increase 79% between now and 2030, meaning another 75 million new retirees — or people who would love to be retired — will be looking for help with retirement income and investing. Faced also with the likelihood of more expensive health care just when they need it, many are terrified they'll run out of money long before they die.

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