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Most surveys show that younger Americans believe they will have to work past
what is considered today’s retirement age. This could become reality given
the increasing amount of “retired” Americans who choose to continue working.
But life has a way of altering the best-laid plans so it’s important to
establish a “what-if” strategy that could address a shorter work life and
longer retirement than you may plan.

With fewer pensions and inadequate retirement account balances,

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