Do advisors talk to clients about the retirement crisis? Maybe I should back up and ask: Is there a retirement crisis?

Earlier this year, the National Institute on Retirement Security (NIRI) released a report on that topic. Of those surveyed, 86 percent believe we are in the throes of a crisis.

With so many Americans fearing a crisis, it opens doors for advisors to discuss retirement woes with prospective clients. Or does it?

Looking for a deeper level of data, NIRI asked consumers another question: Are you worried you won’t have enough money to live comfortably in retirement? The number of those worried dropped from 85 percent in 2013 to 74 percent this year.

The opportunity appears to be there, but perhaps individuals believe while a crisis exists, it doesn’t affect them personally.

So what does worry people? For boomers, health care remains at the top of the list. A whopping 86 percent of baby boomers pointed to the rising cost of long-term care as a major factor. What else has the boomers uneasy?

    • 80 percent say salaries are not keeping up with wages.

    • 74 percent cite fewer pensions.

    • 70 percent point to greater longevity as a major problem.

The data shows opportunities abound for advisors to carve out plans for clients; the rest is up to you.