Despite earlier findings that employees were renewing their focus on long-term planning issues like retirement, new research from Financial Finesse found that it's not enough.

A report released Wednesday found that regardless of age, most employees have never run a retirement projection, the report found. This is especially troubling for those close to retirement; 57% of employees between 55 and 64 haven't calculated whether they're on track to replace at least 80% of their income.

Knowing what's in store for them doesn't seem to change their behavior, though. Employees who have calculated whether they are on track only to discover that they are not received a financial wellness score of just 4.2 out of 10, compared with 4.7 for those who didn't know. Employees who knew they were on track, and who had good money management skills like maintaining a cash reserve, fully paying credit card bills each month and keeping a debt payment plan, scored much higher at 7.2 out of 10.

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