As the first generation of Baby Boomers start to reach the age of retirement, financial institutions have begun to develop and market products in order to help this demographic make the transition easier. Retirees need income and safety as they are starting to live longer, healthier lives. Investment products and strategies that don’t provide capital appreciation could cause them to outlive their wealth. The financial industry has addressed these concerns by developing new products that protect capital and provide income while allowing investors some participation in a rising stock market.