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Since Social Security launched in 1940, and later, Medicare in 1965, the generally accepted retirement age settled at 65. That’s when good employees who spent their lives at one company could—or maybe forced to—kick back and enjoy life.

What a difference a generation makes. Today advisors say retirement ages and goals are all over the place, depending on their clients’ financial and career status. The bigger trend, though, is retiring later, according to the Center for Retirement Research at Boston College.

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