For longer than most of us care to remember, we have been hearing about the impact that the baby-boom generation is having on our country's culture, politics, education, and industry. Aside from all that, baby boomers spend money - on toys, jeans, television sets, stereos, and cars.

The oldest baby boomers, those born in 1946, have entered middle age and have developed, along with at least a few gray hairs, concerns that will help fuel the country's investment engine for several decades.

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