Nearly half of Americans are not contributing to a retirement plan, and those under age 34 are more likely to be among the people who aren't saving, according to a new LIMRA survey.

The survey, which included 2,697 Americans who are either primary financial decision-makers or share responsibility for making financial decisions, also found that a quarter of all Americans and less than a third of Americans over age 50 worked with a financial professional to plan for retirement.

Those who sought the help of a professional were more likely to contribute to a defined contribution plan or IRA. Seventy percent reported that their financial professionals recommended how much they should save for retirement, which shows that financial professionals can have a positive influence on their clients' saving behavior, according to LIMRA.

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