Three in 10 Canadians currently working say they haven’t saved a cent for retirement, finds a poll by Insights West and Credential Financial.

The survey also found 18% of retirees say they have to work in retirement to support themselves and nearly a third enter retirement with more debt than they had anticipated.

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“Data further shows this lack of preparation may stem from a belief that working Canadians believe they have longer to plan for retirement than they actually do,” a release says.

At the same time, 62% of Canadian retirees say they retired earlier than expected.

Retirees who worked with a financial planner were 14% more likely to say they have enough money to support themselves through retirement years without the need to work, the survey says.

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The firms polled 403 Canadian adults who have retired and 704 Canadian adults who are still in the workforce, between October 19 and 26.

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