We’ve seen these images and advertisements so many times that we don’t pay much attention to them anymore. They are on the booklets that the recordkeeping providers give out at enrollment meetings. They flash across the TV screen as part of the retirement based commercials for insurance companies and financial institutions. A silver haired, clearly retired couple (they are always a couple – rarely is anyone single) are about to embark on a trip, or they’re playing golf or they’re strolling hand in hand on the beach. They are free from the worries of earning a living and loving their lives in retirement. If that was ever the face of retirement (and for most folks it was not), a white paper from Empower Institute predicts that is not what retirement will look like for the vast majority of retirees and near-retirees (ages 45 and up) moving forward.
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