We know IMC is based on Public Relations, Promotion, Direct and Advertising that work together in a united voice instead of isolated silos. IMC increases effectiveness of a brand's marketing investment. Now apply that marketing concept to online.

Financial firms must acknowledge that Boomers are far down the road of making social and mobile media part of their everyday lives. Instead of relying heavily on TV and print ads, financial marketers must embrace new media as a place to distribute content, engage customers and spur conversations. And of course, this segment needs its own messaging and outreach and should not be lumped in with efforts targeting Millennials or Gen X.

The key to tapping the potential of Boomers as a whole is to recognize they are not a whole. Once marketers understand the differing mindsets of the various life stages, they can craft their messages accordingly -- and maximize their ROI against critical consumer goldmine.

You can help create that emotional appeal with colors, shapes and designs that engage and challenge the imagination. You can use rich imagery that conjures up complex feelings that even the most agile mind can't quite grasp intellectually but can certainly discern at a gut level.

For those who do choose the traditional retirement route, the continuing care retirement community remains a viable option, providing what's called the "continuum of care" from independent living to assisted living to skilled nursing care on a single campus or within a string of affiliated campuses.

This new breed of agency knows how to nurture connections with consumers and is central to facilitating conversations. Traditional research and ethnographic studies are cost of entry. To be a true connected agency you must be completely integrated into a community.

Marketers at CPG giants like Coca-Cola, Pepsi, Clorox, Procter & Gamble, and General Mills are now investing resources in researching and targeting Baby Boomers (now aged 47-65). Google is helping advertisers understand the ways to reach midlife consumers through search. And mainstream retailers like CVS and Best Buy are building growth strategies around consumers over 50.

Connecting with any audience works best when you demonstrate you understand their lives and can offer empathy. Staying abreast of current leisure activity trends helps marketers reach any age.

Does your brand have a high Personality Quotient (PQ)? That's a key question because when you're selling to Baby Boomers, they consistently seek out products and services that are believable and likeable, just like the people they trust most. That's why one of your primary marketing goals should be to build a credible, friendly image using a variety of creative marketing communications, from advertising to PR to tweeting.

As you develop your Web site, be guided by the following to improve the user-friendliness of the site, increase the user's satisfaction quotient and contribute to your brand message.