Nigel Green made his comments after figures were released showing that the number of people working past state pension age has doubled to 1.4m in the past two decades.
He said: "Of course, it's great if people are working longer because they choose to, but it's quite a different story if they're being forced to work because they can't afford to retire."
He believes a cultural shift is needed to encourage more people to save and have the ability to choose when they retire. To do this, Mr Green wants campaigns to promote Financial Planning to households nationwide.
Mr Green said: "Research shows that people who seek Financial Planning advice early on in life are more likely to embrace the idea of savings and, subsequently, be well-off in retirement, meaning they can stop work when they choose.

"This is clearly beneficial for the individual but also for the country. A savings culture is crucial to the UK's long-term competitiveness and economic growth because increasing life expectancy has left the State with a situation it can ill-afford.
"If the Government and the industry work more closely together, it will inevitably attract more business for advisers. Good news for the sector and therefore the wider economy."
Earlier this week, research by Standard Life, a sponsor of the Institute of Financial Planning, and unbiased.co.uk of 2,000 adults found the average pension pot of an advised client was £74,554, double the average of a non-advised client who only had £37,277.