While political and social shifts have seemingly left the country more divided than ever, we share a common ground in that too many have avoided saving for retirement, and many who have saved lack the confidence that it is adequate. Yet, as the baby boomers wind through retirement, what is there to be done? From annuities to increased emphasis on market performance to downsizing and refinancing mortgages, there are many ways to get creative about generating an income in retirement when you’re playing catch up.