Americans, particularly Baby Boomers, are more nervous about and unprepared for their retirement today than at any time in history. Survey after survey has found that people are delaying their retirements, planning to work during their retirement and scaling back expectations for their golden years.

Here's an interactive slideshow detailing 12 frightening facts that Baby Boomers and their financial advisors need to appreciate and address in the coming year to ensure they're properly prepared for the retirement they've always envisioned.

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