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Retiree Robert Rivers at his home in Ravena, N.Y. Baby boomers are starting to retire but many are agonizing about their finances. (AP Photo/Mike Groll)

(Bloomberg) — Kathleen Tarr says AT&T Inc. employees looked to her as “their de facto 401(k) expert.” Visiting their homes and offices, she advised them on their retirement plans as they called up balances on computer screens.

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