Financial advisors report that the recession is forcing some clients to keep working longer than they want – or return to the job market.

The Financial Planning Association, Denver, has published those findings in a summary of results from a survey of financial advisors.

The FPA asked about clients at or near retirement.

About 40% of the clients have had to make lifestyle adjusts, with the market downturn and rising health care costs forcing 18% of the clients to delay retirement and 6% of the clients who retired to return to work.

Market changes and the aging of the boomers also increased demand for retirement income planning: 63% of respondents said they provided retirement income planning advice, services and products to more than half of their client-base in the past year.

About half of the planners surveyed said they gained between 4 and 10 new retirement income clients in the past year.

Additional survey findings:

- Planners say that of the time they spend on retirement planning, 50% is focused on retirement income-related activities, as opposed to asset-accumulation activities.

- Planners are becoming more involved in helping clients manage health care costs, and 79% said they help with long term care decisions.