Few people want to consider the possibility of an unexpected early retirement, but a job loss or serious health issue can sideline you way before you expected it in your working years.

“Many Americans are faced with unexpected early retirement,” says Joe Jennings, a financial adviser with PNC Bank. “More than half of those 70 and under who have already left the workforce did so earlier than they had planned. Factoring in the unexpected is part of a strategic retirement plan.”

Reasons for retiring before you’re ready vary.

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