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Will most baby boomers truly retire? The old mainstays of golf, grandkids and travel have not been enough to please many retirees from previous generations. With the great amounts of energy and success that live within the baby boomer generation, retirement is not likely to sustain their attention much longer than it did their parents’.

If the current generation of retirees is evidence, baby boomers and younger workers alike have a thing or two to learn from their older counterparts. A 2006 Putnam Investments study showed that about a third of America’s more than 20 million retirees returned to work for at least 15 hours a week, most of them after less than a year in retirement. Two-thirds said they do so because they wanted to, not because they needed to financially.

The return to work may signal an issue that many retirees do not anticipate: having something fulfilling to do. The keyword is fulfilling, and it’s the driving force behind a return to work. Of course, the added income and the potential health insurance benefits do not hurt either. The phenomenon has become so recognized that In areas with large and increasing populations of retirees, like Arizona, many employers are catering to the retired crowd.

Certain companies offer specific work opportunities made for retired people. In Tempe, Ariz., Wells Fargo has a special processing center that hires mostly retirees, whom they have nicknamed “Silver Bullets.”

The Putnam study did not focus just on work after retirement. It also emphasized various key reminders for younger workers. Even though the current generation of retirees is relatively financially stable, they still have concerns about running out of money, and they’re concerned that younger people will do the same. They emphasized starting retirement savings early, developing a retirement plan and saving as much as you can both through your workplace program and on your own.

No one expects the baby boomer generation to be at ease with life in retirement, which is why planning post-retirement activities, both work and play, is very important. And it just just as important for younger workers to plan for such activities too. Regardless of your age, informing your financial professional of your desire to work and your hobbies and interests will make your retirement plan that much more complete.

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