NEW YORK-No matter what kind of gloom-and-doom statistics financial companies compile about unprepared Baby Boomers' retirement, those that want to sell product should ditch the fire-and-brimstone talk. What Boomers really want to hear is that the best is yet to come.

"One of the major reasons people don't plan is that they're not sure what they're planning for," said Lee Eisenberg, Boomer and author of "The Number: A Completely Different Way to Think About the Rest of Your Life."

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