Retirement is the top financial goal of workers across the U.S., but their employers' retirement plans are the toughest benefits to understand.

That's according to the 2016 FSFE Employee Financial Wellness Survey from Four Seasons Financial Education, which found that 35 percent of respondents said their most important financial goal was retirement. The number rose to 70 percent among workers ages 45–59.

Other choices respondents were asked about included budgeting and debt (33 percent), overall financial planning (22 percent), investments (5 percent), college planning (3 percent), insurance (2 percent), and tax planning (1 percent).

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