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More and more people over the age of 65 are working beyond normal retirement age. This is due to people wishing to work longer and having the good health to work into retirement, but also due to fear over their financial situation, including fear that their existing pensions will not be enough to cover them throughout their retirement. To avoid falling into the latter category, you need to find a retirement consultant who puts your needs first.

There is increasing evidence that retired people are living in poverty due to shortfalls in their pension provisions. Because of this, some older people have postponed retirement while many others have become self employed. Yet others have taken early retirement only to go back to work to jobs that are less demanding, do not pay as well, and are less secure.

If a person wants to continue in work after retirement, that is fine and is to be encouraged, but it is not a position that should be thrust upon them. It is always better to be prepared for all eventualities. Therefore, it is important to get sound financial advice as quickly as possible. Find a retirement consultant you can trust.

Many countries are changing their laws to allow employees to work beyond the age of 65. The reasons for this are not all about giving greater choice to people in retirement or about personal development for the retired community. The reasons are more likely to do with, in part, the labor shortage that exists in many developed countries, in part because there are more older people in the labor market, and, more worryingly, because of the pension deficit. If you find yourself in one of these situations, find a retirement consultant today.

To avoid being the person who has to work beyond the traditional age of retirement, not out of choice but out of necessity, it is wise to become familiar with the knots and bolts of financial planning. Get advice on pensions and other financial matters, and plan for retirement. Find a retirement consultant.

Many pension funds have not done as well as expected in recent years, and the drop in the stock market has meant that people who had reached retirement age found themselves leaving work with a lot less money than they had expected. Some of these people were obliged to stay on at their places of work if they were permitted to do so, while others had to seek alternative employment.

After paying towards a pension all of their working lives only to find that their pensions were worth less than they expected, was a source of great hurt, and disappointment for many people, some people still find themselves in need of good retirement advice.

There is an unfortunate lesson here. It is no longer enough for people to sit back and think that retirement will look after itself. Everyone needs to be proactive in their approach to retirement. The best way for people to avoid a situation such as this is to assess their financial situation as early as possible, and to find a retirement consultant.

Click on the red button to connect with a financial advisor and get the free retirement calculator.  The free retirement calculator was recommended by Ray Martin, a top financial analyst for CBS News 'The Early Show.' Version 2.0 determines the maximum amount of money you can safely withdraw from your retirement savings account while ensuring that your money will last a lifetime.

Download the free retirement calculator right now.