The newest round of research from MetLife's Mature Market Institute may drive the point home: Retirement planning tends to take on more focus – and more action – when a family's involved, while single employees are placing less emphasis on the future.

The MetLife Study of Family Structure and Financial Well-Being makes the case that while the financial pressures facing American families are intense, particularly their concerns about a safe and secure retirement, they are at least taking action on the issue. More than 72 percent of the people surveyed have children.

The study also makes the case that group benefits coordinators and retirement advisors have a great opportunity to provide focused financial education to families, and that by getting them to feel more secure and confident, they'll be more willing to participate in retirement planning options and opportunities.

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