When a rare and positive coincidence occurs, it's often described as an alignment of the stars.

Such an alignment is taking place with greater frequency in the workplace universe as employers focus on preparing employees to retire on their own terms by ensuring retirement savings and benefits plans work as effectively as possible.

Employers are recognizing the need to help employees attain financial wellness, especially as more Americans find they cannot afford to retire. Every day, approximately 8,000 Americans reach age 65, according to the U.S. Census Bureau. While 65 is the traditional retirement age, nearly four in 10 workers say they plan to continue working longer, the Employee Benefits Research Institute reports, and one in 10 say they expect to never retire.