Baby boomers are hunkering down for retirement. They are putting computer to spreadsheet, as it were, and running asset and cash flow projections, with frequent stops in Monte Carlo. And — after they factor in commonly suggested assumptions about longevity, investment returns, portfolio withdrawal rates, income taxes and health-care costs — even the well-to-do are becominE. anxious.
This is because they're finding that one component of their retirement picture is conspicuously absent: