NASHVILLE, Tenn. — There’s an optimistic vibe here at the 2011 Benefits Selling Expo. Brokers I talk to say they’re not waiting around for lawmakers to rescue their business. It’s either innovate or retreat.

Unfortunately, the same can’t be said for baby boomers and the way they feel about retirement. They simply don’t have time to innovate. And they certainly can’t echo any hint of recovery as the economy gets better. Practically 25 percent of them plan on working until they die, according to a new poll from Associated

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