“…Likewise, despite reports of a desire for retirement planning programs (Fillenbaum, 1971;Glamser, 19811, only a small minority is actually participating in such programming (Kragie, Gerstein, & Lichtman, 1989). Older adults underuse mental health services for a variety of reasons, such as inability to pay for services, lack of transportation, lack of knowledge about services available (Woodruff, Donnan, & Halpin, 19881, fear of being labeled, and biased attitudes about the aged on the part of mental health care providers (Ray et al, 1987). With respect to retirement counseling in particular, an additional factor may be in play.…”