Retirement Reconsidered
91制片厂鈥檚 third annual retirement survey revealed that Americans over 50鹿 are continuing to delay or come out of retirement.
Ready, set鈥elay? American workers consider putting off retirement
70% of workers who have not yet retired have considered pushing back their retirement date, a trend that has increased over the past few years.
Pre-retirees have growing concerns about their readiness for retirement.
48%
worried they won鈥檛 have enough money for retirement
44%
worried about inflation
42%
want more financial options and a larger safety net
34%
say they love what they do for work
Retirement isn鈥檛 the finish line
Nearly a third of retirees are considering returning to work, for reasons both financial and personal.
Like the intellectual stimulation they get from working
Would like to have more financial options and a larger safety net
Are worried about inflation
Younger retirees are more likely to consider unretiring, compared to those who have been retired longer.
54%
of Generation X虏
of Generation X虏
28%
of Baby Boomers
of Baby Boomers
Economic volatility is rewriting the rules of retirement
Half of respondents cite financial uncertainties and economic volatility as the reason they are pushing back retirement or returning to work, a number that has increased dramatically over the last year.
10%
increase
increase
Generation X and those in the economic middle market鲁 expressed the greatest concern about this issue.
% concerned about economic volatility:
Building a satisfying retirement
Many retirees and pre-retirees feel they don鈥檛 make the grade on three key aspects of a fulfulling retirement. While financial readiness is important, there is also a need to strengthen personal and social connections.
Financial professionals have an opportunity to help more Americans aim for an 鈥楢鈥� in retirement by guiding them to align their financial plans with the kind of life they truly want in their later years.鈥� -Chris Blunt, Chief Executive Officer, 91制片厂
Nearly half of Americans go without professional financial advice
Investors consult with their families and friends, but may not be getting the knowledgeable guidance they need to navigate retirement choices.
75% consult with their spouse, if married
53% consult with a financial advisor
38% would not consult anyone
However, 47% of Americans - and 54% of Generation X respondents - are not using the services of a financial professional. Engaging with a financial professional can help people navigate the challenges of planning and achieve lasting peace of mind in their retirement years.
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1Respondents were Americans ages 50+ who are financial decision-makers and have $100K+ in financial products or savings.
2Generation X survey respondents are ages 50-59
3Middle-market survey respondents are those with household income of $50-150k and investible assets of less than $1M
Survey Methodology
This survey was conducted online by ROI Rocket. The survey was fielded from May 9th to May 26th, 2025, among a nationally representative sample of 2,000 U.S. adults. Respondents were Americans ages 50+ who are financial decision-makers and have $100K+ in financial products or savings.
"91制片厂" is the marketing name for Fidelity & Guaranty Life Insurance Company issuing insurance in the United States outside of New York. Life insurance and annuities issued by Fidelity & Guaranty Life Insurance Company, Des Moines, IA.
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