The truth is - there are literally millions of baby boomers (those born between 1946 and 1963) near retirement age who haven't accumulated enough retirement income to meet their needs. Even worse, many find themselves panicked and unable to start any kind of retirement planning, fearful that they're already too far behind to catch up. Douglas Andrew provides fresh new pathways to reaching financial security - regardless of one's age. Andrew presents original, contrarian insights that most investors have never considered or just don't know about.