Promoting greater retirement readiness can contribute to the bottom lines of both employees and employers. Whether boomers want to retire or not, the goal should be to align their interests with the interests of their employer as much as possible.

Born between 1946-1965, every boomer will have reached age 65 by 2030. That sets the stage for important decisions by millions of boomers about retirement in the next decade. While younger workers dream of FIRE, boomers prepare to dive in WATER (Waiting and Timing an Enjoyable Retirement).

Una Morabito is head of client management for Massachusetts Mutual Life Insurance Company (MassMutual).

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