Most of you baby boomers and your faithful associates have nothing to look forward to in retirement.
For the industry's thousands of postwar baby boomers, it's no longer morning. The oldest among you have already turned 50, and the looming question is not when you will retire, but whether you can ever afford to retire.
Based on many hours of conversation with contractors through my seminars and phone contacts, I've learned that upwards of 90 percent do not have profit-sharing plans in place for retirement for themselves or their faithful associates. Here we have an industry filled with hard-working, highly skilled people protecting public health, safety and comfort, but without providing for their own old age. I think this is a human tragedy in the making.