Financial disruptions, which can play havoc with retirement plans, are forcing people to put off the day they quit work until 68, a delay of five years. 

TD Ameritrade’s 2015 Financial Disruptions Survey is full of cheery news like that, looking at how such life events as illness, divorce and unemployment throw retirement plans into disarray. What will come as no surprise to many is that some of these events exert such force that not only must retirement be postponed for years, it sometimes never occurs at all. 

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