WASHINGTON - Is the United States facing a retirement crisis? The response from retirement experts and academics at a recent conference was a resounding ‘maybe.’

With waves of baby boomers preparing to exit the workforce and concerns mounting about their retirement preparedness, participants at a retirement conference hosted by the Investment Company Institute made two important points: The first is that since a variety of factors, such as income, education and physical health play a role in how well situated individuals and couples are for retirement, it is impossible to generalize about the country's retirement situation.

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