Baby boomers are a bundle of contradictions when it comes to how they say they feel about their retirement. But while their financial attitudes may shift, the actions they’re taking to prepare financially for retirement remain stagnant. And actions — or failure to act — tell a part of the story that words and sentiments do not.

The Retirement Check-In® survey sets out to examine the disconnect between the expectations that Americans maintain for their retirement and the financial actions they’ve taken to meet those expectations. It aims to expose the gap between what people feel when they think about retirement and whether the actions they’re taking to prepare align with their levels of confidence. Ultimately, the study also reveals what many Americans are planning to do so that they can feel financially confident in retirement, despite economic challenges.

The Retirement Check-In® survey was created by Ameriprise Financial utilizing survey responses from 1,000 employed Americans ages 50-70. All respondents have investable assets of at least $100,000 (including employer retirement plans, but not real estate) and are planning to retire at some point. The survey was commissioned by Ameriprise Financial, Inc. and conducted via telephone interviews by Koski research from October 31- November 14, 2012. The survey was conducted among a targeted sample of households. Cell phones were approximately 25 percent of the sample. The margin of error is +/- 3 percentage points.