More not-so-good news on 12-12-12: Pre-retirees are even less confident about their retirement future than ever before. The good news: They recognize the role that advisors can play in helping them achieve some level of retirement success.

A new LIMRA study, "The Pre-Retiree Market: Surveying the Landscape," finds that only 48 percent of American workers aged 55 to 77 think that they'll be able to achieve the lifestyle they desire during retirement.

But those surveyed were also quick to admit that they, for the most part, hadn't actually done much of anything to begin to strategically prepare themselves for what could be a long retirement.

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