Whether it's a case of the comparatively small number of "haves" simply socking away a lot more money or a jump in smaller contributions by a larger group of middle class investors, Americans' total retirement investment assets surged to more than $17.5 trillion in the fourth quarter of 2010, up 9.1% for the year.

 Either way, it bodes well for the future economic health of Baby Boomers and other retirees and speaks to the growing demand for financial advisors specializing in retirement planning and retirement income investments.

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