Most women plan to retire late, or not at all. And nearly half of those who do plan to "retire" say that retirement plans include work. 

These are only some of the findings about women and retirement that surfaced in the Transamerica Center for Retirement Studies' 15th Annual Transamerica Retirement Survey and were released Tuesday to mark International Women's Day. 

Women are handicapped when it comes to retirement by a number of factors, and the results of this research are hardly surprising; TCRS said that this is the 10th year its research has indicated that "women are at greater risk of not achieving a financially secure retirement compared to men." 

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