Retirement isn't everything it is cracked up to be. The stereotypical pictures of golf, cruises and visits with grandchildren no longer mesh with the lifestyles of many of today's baby boomers - and it may not fit with the incomes of others.

"Oftentimes, the people I've seen who go back to work were such hard chargers they got a little bored playing golf," says Chris Chaney, a vice president and financial advisor at Fort Pitt Capital Group in Pittsburgh. "They just want to do something they feel is meaningful."

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