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Longevity is transforming retirement. No longer defined simply as the end of one’s working years, retirement is evolving into a more personalized journey that reflects changing financial needs, health considerations, and lifestyle aspirations.

3 in 4 people expect to continue working at least part-time in retirement.

As life expectancy increases and traditional sources of retirement income decrease, 44% of Americans are worried about having their retirement savings last as long as they need it to. Many retirees are also surprised by their poor health and loneliness during this time. There’s a demonstrated need to prepare yourself — mind, body, and wallet® — for the new shape of retirement. Preparation can help improve well-being during retirement, and working with a financial professional to prepare can help ease stress.

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Learn how retirement is evolving and the kind of preparation that may improve well-being during this time.

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Unless otherwise noted, all data is sourced from Guardian’s 14th Annual Workplace Benefits Study, 2025.

All annuity guarantees are backed solely by the claims paying ability of the issuing insurance company. Material discussed is meant for general informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. The Guardian Life Insurance Company of America (Guardian), New York, NY. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.