How and why are too many Boomers finding themselves at the critical crossroads of many years ahead with little or no financial resources? Did you fail to establish a sound financial retirement plan early on? Were you too busy establishing your career? Did the euphoria of consumerism consume you?” Did some unanticipated and unavoidable financial crisis arise, draining your financial resources? Did raising a family, college costs, parental sickness, a divorce, or some natural disaster sabotage your long-term financial plans? Regardless of why, here you are. That was then; this is now. Your current reality presents a sober wake-up call. Take heart. Breathe. And let’s look at options.