Many baby boomers aren't on track to retire with enough money. They have some options to adjust their trajectory, researchers said, but these come with trade-offs . Just 40% of workers who are age 61 to 65 — the youngest members of the boomer cohort — are financially on track for retirement, according to recent research from Vanguard, an asset manager and retirement plan administrator. That group will have enough income to fund their current lifestyle into retirement, researchers estimate. The