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You probably heard the news, last week the first Baby Boomer applied for Social Security benefits.

The applicant, a former teacher in Maryland, showed up at the local Social Security office 90 days before her 62nd birthday to claim her benefits. This news story struck close to home because, as a first year Boomer, I too am moving rapidly toward my retirement years.

This news story raises the question of how well Boomers are doing in planning for their retirement years. From reports I