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The Truth Hurts: When an Adviser Says You Can't Retire Yet

In this Feb. 15, 2012 photo, Steve Wyard, 61, a regional sales director of All Valley Washer Service, talks on the phone in his office in the Van Nuys section of Los Angeles. Wyard and his wife have two sons, 19 and 21, to put through college, and they see that pushing back retirement for several years. Until then Wyard plans to keep working. Jae C. Hong / AP file

How do you tell a client she can't retire yet? Delivering bad news comes with the territory for financial advisers.

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