The majority of Americans remain insecure about their retirement prospects, often because they don’t work with a financial professional to put a formal savings, investment, and insurance plan together to account for their “golden” years, Deloitte’s most recent research revealed.

The Deloitte Center for Financial Services commissioned an online survey of some 2,000 US consumers to build on our February 2013 study exploring the perceptions, motivations, concerns, and behavior of consumers when it comes to preparing for retirement. However, this time my Deloitte colleagues and I looked at both sides of the retirement planning process by also interviewing 178 financial advisors, including insurance agents.

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