As boomers head into retirement at a fast clip of 10,000 per day, more than a quarter are uncertain whether they'll be able to meet their savings goals by the time they are ready to retire. "In these difficult economic times more and more Americans are finding that they are not prepared for retirement," Carrie Braxdale, managing director of investor services at TD Ameritrade, said in a release. Indeed, only 16 percent of Boomers, and only 9 percent of those categorized in the survey as 'mature' -- born between 1930 and 1945 -- said they were funding both an 401(k) plan and an IRA. This is a big issue. "Funding these accounts on a regular basis is the key -- even if it's a small amount. Every year that you don't fund your IRA is lost opportunity for tax regrowth," said Braxdale.