Since the onset of the financial meltdown, advisors have found themselves taking part in a host of intimate discussions with their clients as shell-shocked investors began to reexamine their possessions and spending, and many began tightening their belts.

Surprised Boomers found themselves deeply underwater on one or several homes, saw that their extended family responsibilities might well come at a price they hadn’t quite anticipated and realized that their monthly spending was alarmingly outpacing their income.

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