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collage of older people's faces Retirement has changed as defined benefit plans die and defined contribution plans increase, leaving a good number of financially uneducated people in charge of their ‘retirement planning.’ (Photo: Shutterstock)

Changes in life expectancy, population growth and retirement savings vehicles are colliding to present a growing dilemma: how to prepare for a retirement that will accommodate longer lifespans, periods of poorer health and a population that is generally ill prepared to save enough for their own retirement.

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