Our daily roundup of retirement news your clients may be thinking about.

Retirement? Not just yet
The percentage of seniors in the labor force is on the rise, with the participation of workers aged 75 rising to 14% from 9% in 2000, writes Salim Furth, an expert with the Heritage Foundation's Center for Data Analysis. The number of workers age 65 to 79 has increased by 3.5 million, with 1.9 million of them very likely to continue working, Furth says. "The United States is going to be a very different place, demographically, for the next 30 years. Seniors putting in more years at the office will help ease that transition, cover a small part of Social Security's deficit, and allow more older Americans self-sufficiency in their retirement."  --The Wall Street Journal

Planning to work in retirement isn't really a plan
While most people consider continue working in retirement, such a plan may not be a good option for many of them, according to this article on Forbes. Although the idea offers benefits such as a steady income and having no need to tap retirement investments, these perks may not be enough for them to forget retirement. This is very likely especially if people have a very demanding career. --Forbes

Why your empty nest may be hazardous to your retirement
What people do with their extra money after their children leave home can help or hurt their financial prospects in retirement, according to a study by researchers at Boston College's Center for Retirement Research. "If households consume less once their kids leave home, they have a more modest target to replace and they save more between the emptying of the nest and retirement," the researchers say.  --Time Money

A guide to not retiring
Many clients who are approaching retirement age face the dilemma of whether to leave the workforce as expected or continue working because they enjoy doing their work, according to this article on MarketWatch. With life expectancy increasing, more senior workers can still work at an optimal level, but making a decision can be complicated. Read how pre-retirees can make the right decision as they contemplate whether to stay in the workforce while they still can or take the traditional retirement route.  --MarketWatch

The free money you might be missing out on
Workers can get free money for their retirement with the match contributions that their employer makes to their 401(k) plans, according to this article on CBS Moneywatch. They can make the most of their retirement plans if they know how to maximize their employer match contributions. Another advantage of their 401(k) plans is that their contributions go straight to the plan before deducting any amount for taxes, meaning less taxable income and lower tax bill. -- CBS Moneywatch

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