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Based on 512 survey respondents, the age at which people voluntarily planned to retire was found to be influenced most strongly by incentives for early retirement embodied in their pension plan. The planned age of retirement was also influenced by the accuracy of information about pension plan features as well as by the respondents' age, gender, health status, and marital status, especially the employment and pension status of the spouse. Implications for public policy and human resource practices of the firm, as well as for implicit contracting are discussed.