Employees improved all areas of their personal finances last year, according to a study by El Segundo, Calif.-based Financial Finesse, but many are concerned they haven't saved enough to retire.

"Employees are the shining light of this recovery," says Liz Davidson, the founder and CEO of Financial Finesse, a company that provides personalized financial education and counseling programs to over 500,000 employees at more over 400 organizations. "They are making far more progress than the economy as a whole, creating personal recoveries for themselves amidst what is proving to be a slow economic recovery."

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