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They can't withhold earned pay, as that would be a violation of your state's wage payment act. You'd be able to file a complaint with your Department of Labor or a lawsuit to have the pay issue resolved.
The harder part here though is not signing it before you leave. They can essentially give you an ultimatum that you either sign it or you no longer have a job. That's not illegal and if they are making signing the document a part of continued employment, you can't avoid that in any legal way other than refusing to sign it and losing the job sooner than you'd like.
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For some reason, this question states that it has prior replies, but they are not showing up. I'll address everything I see here anew.
As you did not sign a non-compete agreement, you are free to work where ever you want and you are free to work with whichever client that you wish.
Making reference to a non-compete which you have not signed has no legal effect, so that is not cause for concern for you.
Nothing about stating that you were leaving to retire and then going back to work is an issue for concern either. As an "at will" employee, you don't have to legally justify leaving.
Your only concern then is not using their proprietary information or disclosing those "trade secrets (if there are any)" to the new employer or anyone else.
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