Most Americans expect to retire at age 67, up from 63 a decade ago and 60 in the mid-1990s, a Gallup poll of non-retired workers finds.

Gallup's annual Economy and Personal Finance survey finds that 26 percent of non-retirees expect to retire before 65, with 27 percent at age 65 and 39 percent after age 65.

Those under the age of 40 still expect to retire at 65 or earlier.

The poll also finds that an increasing number of Americans feel that even if they do retire, they won't be as financially secure as once hoped.

"Americans' expectations for retirement have changed in recent years, with more presuming they will have to work to an older age and fewer expecting to enjoy a financially secure retirement, particularly those nearer retirement age," Gallup finds.

"Those changes are understandable given recent shocks to the economy such as the recession, the financial crisis, the housing bust, and stock market volatility."

Other experts point out that retirement as most know it today is a thing of the past.

Most people not on the cusp of retiring already will probably have to work until 70 or afterwards and look forward to fewer benefits.

Those very close to retiring with pensions, Social Security, paid mortgages and other benefits as we know it will likely see the good life, but that's where it ends, as the current system cannot support future generations.

Today, many haven't saved enough to retire, especially considering people are living longer, while wealth has evaporated for many.

"They weren't prepared even before the crisis," Alicia Munnell, director of the Center for Retirement Research at Boston College, tells CNBC, describing Baby Boomers and Generation X workers.

"The gist of this whole story is that retirement ages are increasing as people live longer and health care costs rise, and at the same time the retirement system is retracting."