Many people don’t do much planning before deciding to retire, and they use simplistic strategies to deal with financial risks. As a result, they’re vulnerable to the risk of financial shocks that may cause them to struggle financially in their later years.

That’s the conclusion of a recent study conducted by the Society of Actuaries together with Matthew Greenwald and Associates. The two organizations conducted focus groups with current retirees to learn how Americans go about planning for their retirement.

The study came up with six key findings that can serve as warning signs: If the first five sound like something you might do, consider devoting more time and attention to your retirement planning.

Finding 1: Many people feel pushed out of work. It’s often assumed that people retire because they want to stop working to pursue other interests or because they’ve carefully calculated that they have enough money to be financially secure for the rest of their lives. But that’s often not the case. Many people leave work for a variety of reasons, including health issues, the need to take care of a spouse or relative, not feeling valued and welcome at work, or losing a job involuntarily.

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