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 all combined to make retirement more a fantasy than a reality for tens of millions of Baby Boomers who are will soon turn 65 years of age.

In fact, the number of people age 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 and most are terrified they'll run out of money long before they die.

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