Slideshow reveals 12 terrifying retirement facts keeping boomers — and their advisers — up at night

Americans, particularly baby boomers, are more nervous about and unprepared for their retirement today than at any time in history. Survey after survey has found that people are delaying their retirements, planning to work during their retirement and scaling back expectations for their golden years.

Here's an interactive slideshow detailing 12 frightening facts that baby boomers and their financial advisers need to appreciate and address in the coming year to ensure they're properly prepared for the retirement they've always envisioned.

If nothing else, this data should help motivate investors to immediately review and upgrade their retirement savings plans and serve as a wake-up call to advisers who are charged with helping Boomers (and future generations) avoid these unfortunate circumstances.

Larry Barrett writes for Financial Planning, a SourceMedia publication.