Baby-boomer women must and should take retirement-planning matters into their own hands and not wait on government or business to solve the looming problems that await three-quarters of the 40 million women born between 1946 and 1964. “Baby-boomer women are in trouble,” said Paul Hodge, director of Harvard Generations Policy Program and editor of the just-published study, “Baby Boomer Women: Secure Futures or Not?” “Unlike any other time in our nation’s history, unless there are dramatic policy shifts, in terms of absolute numbers, baby-boomer women, most particularly minority women, will find their elder years to be a ‘never ending’ struggle. Most retirement policies, government and private, are gender- biased toward white males,” Hodge said. “This needs to change quickly. If we don’t deal with (these policies) we have a ton of minority women living below the poverty line with no safety nets in place.”