Employees do not save enough for their eventual retirement needs, research shows. But, with tools, help and education from financial advisers that paradigm may shift - benefiting not only the employee but the employer and adviser.

According to a recent survey by ING, 87% of Americans say they could be saving more for their employer-sponsored retirement plan, which 64% of all 1,000 respondents claim accounts for all or most of their retirement portfolio.

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