How to Partially Retire Before You’re Ready For Full Retirement

Retiring in stages is becoming more of an option for those who don’t want to “jump off a cliff” from full-time work to having no employment.

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Lauran Madariaga, 69, was ready to retire in June from her job as a lead client service specialist at Mercer Advisors, a wealth management firm. Then her boss asked her to stay on part-time because he was having difficulty finding employees. 

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Contributing Writer, Kiplinger's Personal Finance

Alina Tugend is a long-time journalist who has worked in Southern California, Rhode Island, Washington, D.C., London and New York. From 2005 to 2015, she wrote the biweekly Shortcuts column for The New York Times business section, which received the Best in Business Award for personal finance by the Society of American Business Editors and Writers. Her work has appeared in numerous publications, including The Times, The Atlantic, O, the Oprah Magazine, Family Circle and Inc. magazine. In 2011, Riverhead published Tugend's first book, Better by Mistake: The Unexpected Benefits of Being Wrong.