A survey by Fidelity Investments recently found that one-third of working adults are delaying their retirement plans due to financial reasons.

Fidelity's national survey of workers ages 25 and older found that individuals had different reasons for pushing back their retirement timetable, with 55 percent citing they had not saved enough, 35 percent saying they had started saving too late and 34 percent noting they are continuing to work to maintain their employer-paid health coverage.

The results also revealed that reasons for delaying retirement varied across both marital status and gender, since those delaying retirement were more often single than married and more likely to be male than female. Age was also a factor, with younger adults (25-40) more likely to cite a need to pay for a child's college education as hindering their plans to retire, while pre-retirees (ages 55 or older) were more inclined to report their delay to poor investment choices and market fluctuations.

"Our study findings reflect what we are seeing in our own client interactions every day -- too many people are delaying their retirement dreams for lack of planning and adequate savings," said president of Fidelity Personal Investments Jeffrey R. Carney, in a statement.

The findings were based on a national online survey of more than 1,900 working Americans who reported at least $20,000 in household income. It was conducted for Fidelity in May by Richard Day Research Inc.

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