THE CHALLENGE OF AFFLUENT BOOMERS If you had to name the most desirable potential customers, you'd probably choose the most affluent. After all, they have the most money to spend. But they might be tighter-fisted than you think &endash; especially when it comes to buying jewelry. That's one of the findings of the eighth annual "U.S. Trust Survey of Affluent Americans." U.S. Trust Co. of New York, N.Y., commissioned Financial Market Research to conduct the survey, which this year involves only Baby Boomers who are among the top 1% of the wealthiest Americans. Participants were born between 1946 and 1964 and have adjusted gross incomes of more than $200,000 annually or net worth greater than $3 million. While the survey posed questions on a range of financial matters, the one of most interest to jewelers is how these affluent Boomers spend their after-tax income. Jewelry ranks

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