• How to Plan for an Unexpectedly Early Retirement

    Steps on insurance, severance and other areas to prepare for a premature exit from the workforce

    The best-laid retirement plans take into account investment-return assumptions and withdrawal rates. They should also include planning for unexpectedly early departures from the workforce.

    While an increasing number of Americans say they want to remain on the job after age 65, between 37% and 52% of retirees polled annually since 1991 by the Employee Benefit Research Institute say they left work before they had intended—often due to...

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