I did the math: Even if future benefits are cut, claiming later will likely remain the best strategy for most retirees.

The accelerating pace of mergers in the benefits space will leave a lot of good talent looking for a new home, says Mike Sullivan of OneDigital.

However, 12% of retirees have no savings and no investments.

The benefits industry's Seth Denson weighs in on what it will take brokers to be successful in the coming years.