Like they've done with every stage of their lives, the baby boomers (currently age 46 to 65) are changing what it means to be retired. But unlike other stages where leading edge boomers set the path that middle and second-half boomers followed, retirement is likely to be transformed throughout the boomer generation. The change will occur in such a way that second-half boomers and the generations that follow will experience a very different retirement than their leading edge siblings.

Recently I had the opportunity to hear Marc Freedman, chief executive officer of Civic Ventures and author of the new book, The Big Shift, speak to a small but enthusiastic audience in Denver. His message: Midlife is changing. The longevity gains we've seen over the last 100 years haven't just added years onto the end of our lives, they've added quality years to the middle of our lives.

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