Younger boomers present an opportunity for financial-services companies because the 45-to-55 age cohort faces challenges and worries that differ markedly from those of older boomers, writes Gordon Plutsky. For one thing, any big changes in spending are likely to affect these younger boomers more in their retirement years -- even if they can afford to retire -- and in the present they're being squeezed by shrinking housing values and a stock market that looks as if it's going nowhere, Plutsky writes.

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