PREPARATIONS FOR INDEPENDENCE AND FINANCIAL SECURITY IN LATER LIFE: A CONCEPTUAL FRAMEWORK AND APPLICATION TO CANADA Margaret A. Denton, Susan French, Amiram Gafni, Anju Joshi, Carolyn Rosenthal, Donald J. Willison IESOP Research Paper No. 31 December 1998 The Program for Research on the Independence and Economic Security of the Older Population is an interdisciplinary research program established at McMaster University with support from Health Canada’s Seniors’ Independence Research Program. The Research Paper series provides a vehicle for distributing the results of studies undertaken by those associated with the program. Authors take full responsibility for all expressions of opinion. For further information about the research program and other papers in this series, see our web site at: http://socserv2.mcmaster.ca/~iesop/