Mass-affluent individuals are increasingly worried about their financial prospects, including health care costs and retirement savings, according to the latest Merrill Edge Report from Bank of America. Fifty-seven percent of mass-affluent investors are planning to retire at a later age than previously planned, compared with 36% a year ago. "While the economy is showing signs of a turnaround, our data indicates the outlook among the mass affluent is not quite as positive," BofA's Dean Athanasia said.

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