Near time for retirement? Not quite (4)
I believe the answer is:
nigh
'not quite' is the definition.
(thesaurus)
I don't understand the rest of the clue.
Can you help me to learn more?
(Other definitions for nigh that I've seen before include "Near (poetic)" , "Near, as in archaic usage" , "Almost (arch.)" , "Near (old use)" , "Adjacent" .)