More employees want to combine some work and retirement. Four ways to get started

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xavierarnauWhen it comes to retiring, few people want to quit work cold turkey.Close to 6 out of 10 workers around the world would like a phased transition — a gradual shift from full-time work into part-time or freelancing — as they enter retirement, according to a survey from the Transamerica Center for Retirement Studies.The institute, along with the Aegon Center for Longevity and Retirement, polled a global sample of 16,000 workers and retirees.Done right, a phased transition to retirement can be a win-win for employers and workers. Seasoned employees continue to shore up their finances and hold off on tapping their retirement savings and Social Security a little longer.Meanwhile, employers benefit from keeping their most experienced workers on board — perhaps even at lower cost if those people opt to reduce their hours or become freelancers.As much as workers would like to gradually step away from the workplace, few employers offer such a program.Only about a third of employees said their employers offer a “phased retirement” option, the survey found.”Many employers are running lean and mean,” said Catherine Collinson, CEO and president of nonprofit Transamerica Institute. “They may be missing an opportunity to open up these flexible transitions into …

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