​According to a recent study, many Americans are struggling to reach their retirement savings goals. The Economic Policy Institute found that the average family between the ages of 44 and 49 has only $81,437 saved for retirement. That number is $124,831 for those between ages 50 and 55 and $163,577 between ages 56 and 61.1
 
If you’re among those who are behind, the good news is you can take action now to catch up. You may have to make some adjustments to your plans and vision, but you can still be able to fund an enjoyable retirement. Below are a few tips to get you started. The longer you wait, the more challenging your retirement might be.

​Do you have a list of New Year’s resolutions? Does that list include financial goals and objectives, like paying down debt or boosting your savings? Now is the perfect time to analyze your financial situation and develop a list of action items. A regular annual financial checkup can help you stay on top of potential risks and on track to meet your biggest financial goals.
 
However, if you’re not in the habit of regularly reviewing your financial needs and goals, you may not know where to begin. Below are three items to include on your financial checklist. If you haven’t reviewed these items recently, the beginning of the year may be the perfect time to do so.