People under the age of 35 are the least prepared for retirement, according to a new study by the BMO Retirement Institute. The study looked at the attitudes and behaviors that led to someone being better prepared for retirement.

What it found is that when educating people about their retirement plans, sponsors need to tailor the message to their audience and contain elements that individuals will see as personally relevant and important. It also found that the time remaining to retirement, and not age, was a key indicator of an individual’s financial preparedness for retirement.

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